Mobile commerce at large is gaining importance in many developing countries. From the perspective of small
businesses, mobile solutions can be applied to facilitate money transfers as well as merchant, bill and salary
payments. More sophisticated financial services, such as credit, savings and insurance schemes, are also likely
to expand in the coming years. Their successful implementation will require that mobile network operators enter
into effective partnerships with banks, micro-finance institutions, insurance companies or other organizations. It
will also require that consumers and business users be able to trust the systems on offer.