Expectations of the mobile money industry are high despite a relatively low success rate as yet in this nascent industry. The technology is improving, the operators are gaining experience, and number of services with critical mass is growing, if more slowly than we would like. To capitalise on the current wave of enthusiasm and fulfil its huge potential, mobile money needs to mature quickly. A key element to creating a truly successful industry will be the proliferation of interoperability between mobile money services and the conventional payments infrastructure.
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