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Explore the critical issues surrounding mobile loan apps in Kenya in this 20-minute IEEE conference talk. Delve into user concerns, potential risks, and the socioeconomic impact of these financial technologies. Gain insights into how desperate circumstances drive adoption of mobile lending platforms, and examine the challenges faced by Kenyan users. Analyze the research findings presented by experts from The George Washington University, including Collins W. Munyendo, Yasemin Acar, and Adam J. Aviv, as they discuss the implications of this growing trend in mobile financial services.