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They have transformed finance since the 1960s, generating easier access to capital for small businesses and individuals.
Uyi Stewart, chief scientist of IBM Research in Africa, told the BBC that the system could transform education and health in the same way as mobile banking had transformed finance on the continent.
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Success on that scale would transform finances.
Aye Finance (India), transforming financing in India.
Securitization of mortgages transformed home finance from a lending business, in which maintaining high credit standards was the key to success, into a retail business, in which the goal was to generate maximum volume.
This week the leading civil society groups working on transforming finance are calling for this to change.
But many of those speaking at the Transforming Finance conference would like to see more drastic action, such as limits on the market share of deposits a single bank can take.
On Friday, campaigners, academics and financiers will gather in London at the Transforming Finance conference, to offer a more radical vision of how banking could be rebuilt to serve the economy better – and keep savers and taxpayers safer.
It transformed our finances for 2012 and put us on the map as a fiction publisher.
A combination of higher volumes and higher prices has transformed the finances of many struggling steelmakers, particularly those in parts of eastern Europe.
He transformed the finances of Fleet Street in the 1980s with his Wapping revolution, and he may do it again if he succeeds with his paywall.
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