Cellulant's Co-CEO & Co-Founder Ken Njoroge was one of the Keynote speakers at the 2019 GSMA Mobile 360 – Africa. His captivating TEDx-style talk in Mobile Money Leadership Forum was on how the horizon is changing for mobile money customers, and what their financial lives will look like in ten years’ time. In this deck shared at the forum, he speaks on a. The 4 megatrends that will shape the consumer experience (mobile-first) b. Payments as a platform c. Mobile money and the 4 key technologies that will shape the future of Africa d. The impact of mobile money across different sectors ( Education, Health, Agriculture, Finance & Employment) d. The current mobile money business model will disappear, everyone will have a smartphone, payments will be interoperable and data will be free. Ken concluded his talk by stating "money wants to get out of paper as much as music wanted to get out of vinyl”.