One on One: MTN’s Stephen Mutana Explains how Fintech, bank partnerships will deepen financial inclusion Before MTN put the idea of mobile money to life, the methods of sending and receiving money were not only informal but also very risky. At the time, financial services were largely limited to urban areas. Starting with peer to peer or sending, receiving, and withdrawing money, no one would have anticipated the extent to which mobile money would transform lives. STEPHEN MUTANA, the General Manager, Mobile Financial Services at MTN Uganda tells CEO East Africa Magazine how mobile money penetration has expanded the access of modern financial services to the rural and unbanked population.