Our primary funders - Citigroup Foundation and the Swiss Agency for Development and Cooperation. • The Global Knowledge Partnership Secretariat, who provided travel support for panelists to attend the World Summit on the Information Society in Tunis, November 2005. • Xavier Rielle, Ali Ahmad and Janine Firpo, who took time out to attend WSIS and present at the panel. • Gautam Ivatury, Microfinance Analyst, CGAP, who prepared the Forward for this compendium, and contributed two important papers. • Katrina Crawford, Kitty Mostyn, Bradley Amos and Sowmya Rao, who did the lion's share of paper editing and formatting. • Cathrin Thodock, who assisted with web design. • Each of the contributing authors.