A handbook of mobile money business in Kenya is a window into the day to day operation of the business in Kenya, arguably the most successful mobile money economy in the world. It looks at the business as the customer experiences it, documenting a quick ‘how to’ of the products in the market. It documents some of the more successful innovations around the mobile money products and their impact in the economy. These would no doubt be interesting for operators and finance students alike. It documents how products are set up and priced and describes the factors that the business looks at in arriving at those decisions.The risks chapter should be very important for Central bank regulatory teams in figuring out what they need to do to ensure that the operators have the right risk mitigation in place. Obviously, the text is not exhaustive and it is likely that unforeseen risks will crop up. For techies looking to understand how the system is put together a section of the technology has been included.This document is also intended as a bench-marking tool for operators and policy formulators. However, it must be said upfront that the circumstances that drove the successful adoption of mobile money in Kenya may not exist in every particular economy. The macro-economic benefits that can be reaped with successful adoption are very significant. For the operators, there is a revenue stream that could rival the traditional declining revenues of voice and SMS. Both government (and by extension the economy) and the operators stand to win from a successful adoption of mobile money.