When Ajay Banga took over as CEO of Mastercard, in 2010, he knew that disruption of the payments industry was imminent. But rather than compete for market share within the 15% of global payments that were already electronic, he decided to focus the company’s growth on the 85% that were still made by cash and check transactions. For him, the financial inclusion of individuals and small businesses that lacked access to the formal financial system became both a business imperative and a societal responsibility. It called for new mindsets and behiors around talent, clients, the market, technology, and government.
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