Mobile Money: An Analysis of the Current Playing Field

Mobile Money falls into three categories:

Mobile Remittance – Both domestic and international movement of value via mobiles.
Mobile Information – Almost exclusively limited to bank accounts one holds or has access to.
Mobile Payment – Authorization of payment for goods or services via 3rd party Debit / Credit systems – “the cards in your wallet on your mobile”

Mobile Payment is the utopia – But will any of these become common place? If so which and if not why not?