After climbing the ranks among Kenya's financial institutions from 66th to 1st, and toppling a quarter of the market share held by mobile money giant Safaricom, CEO James Mwangi must now guide Equity Bank into its next stage of development beyond "Equity 3.0." Should he continue to chip away at the substantial hold Safaricom still has over the industry, or should he branch out into completely new areas that the company has never dealt with before? The former would mean a long and grueling fight, but the latter could spell disaster if fresh ventures go awry. Is the company's innovative approach on its homefield evidence of a deeper penchant for ingenuity overall, or was Mwangi simply in the right place at the right time with its landmark MVNO Equitel?