This book analyzes the “bridge contracts” and laws which Kenya used to build a network of 180,000 mobile money agents in Kenya. The firm uses these agents (comprising corner stores and other retail outlets) to provide the mobile money mobile money service to 30 million people in Kenya. The book uses insights from this study to critique existing law and development programs run by the United Nations, World Bank, and other organizations. The book draws on fieldwork in Ghana, Kenya, Tanzania, and other countries in Africa, and work with the United Nations, World Bank, and International Monetary Fund.