Michael Miebach, CEO of Mastercard, has learned three key lessons from his group’s experience in Africa. First, when many people still have limited access to basic financial services, it is better to provide your products and services direct to customers via their phones. Second, the most successful projects are those that address specific market expectations. Third, small steps can ultimately lead to great things, thanks to the sheer number of opportunities in digital services (banking, telehealth, online grocery shopping, etc.).