Over the past three years, payment strategies for emerging markets have been revolutionized by the advent of a simple cell-phone-based payment service in Kenya called M-PESA (“M” for “mobile” and “pesa” for “money”).

The author describes a successful case study as follows: "Dairy production in Kenya has grown at 2.8 percent per year over the past two decades, resulting in per capita production levels double those found anywhere else on the continent.

The authors describe the case study as follows: "Kenyan horticultural exports have grown at over 6 percent per year for the past 30 years.