Duncan Goldie-Scot pioneered the use of mobile payments in microfinance institutions in East Africa, through his not-for-profit company Mobile Microfinance Ltd.  He co-founded and is now a director of Musoni BV, a new MFI operating in Kenya.  It is the first MFI that is 100% cashless: all disbursements and repayments use mobile payment services such as M-PESA.  Before starting in microfinance, Duncan ran his own publishing company and also wrote about emerging market banking and finance.  He now lives in New York.