At least 25 million Kenyans use M-PESA, a mobile money service, through which they transacted $28 billion in 2015. This was equivalent to about 44% of the country’s GDP. In this interview, Tavneet Suri talks about the rise of digital finance and the role it plays in financial well-being. She further discusses her work on digital credit in Kenya (M-Shwari) where she studies who receives digital loans, what the loans are used for and how they affects the lives of the beneficiaries.