From Microfinance to m-Finance Jonathan Morduch, Mudit Kapoor, and Shamika Ravi Innovations: Technology, Governance, Globalization Winter/Spring 2007, Vol. 2, No. 1-2: 82-90. March 1, 2007 File itgg2E20072E22E1-22E82.pdf Wagner Faculty Jonathan J. Morduch Finance International Development