However, it is in the Commonwealth’s developing economies such as Kenya, Malaysia and the Pacific islands of Samoa, Tonga and Vanuatu - where the historically poor fixed line infrastructure has resulted in the proliferation of mobile telephones - that cutting-edge innovation in the form of mobile phone banking is taking hold. Numerous institutions are already supporting training for SMEs, however, there is a case for targeted training for women-owned SMEs given the structural differences in firm make up, industry sectors as well as attitudes to finance. This further limits their ability to form the relationships required to successfully navigate the world of business finance.