Ken Njoroge and Bolaji Akinboro co-founded Cellulant on the back of a napkin. Today they are raising tens of millions of dollars to roll out a new generation of mobile payments, using the very latest technology.
In so doing, they are bringing trust into the system.
Ultimately, to bring in the big bucks and not just the crooked bucks, African countries are going to have to strive for systems that create transparency.
Cellulant hopes they are part of the answer.
You can find them on twitter @KenNjoroge and @BolajiAkinboro, with Cellulant @Cellulant.
Don't forget, The Africa Report finance issue is out now, we have an exclusive interview with IMF boss Christine Lagarde, as well as our ranking of Africa's top 200 banks.
Follow @theafricareport to get the best analysis and news from the continent, and follow Nicholas Norbrok @nicknorbrook
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