Payments...

Payment services over mobile are widespread in many african countries...

The reason being, credit cards are fundamentally flawed from a security perspective and therefore totally unusable in countries with very high levels of fraud.

Paying with a credit card is the equivalent of giving away the keys to your safe, and trusting the merchant to only take an agreed amount from it... Very easy for them to take as much as they want.

Mobile online payments are a much better idea since you effectively initiate a bank transfer on the fly, and only send the amount you want. I would be much happier with such a payment system, but visa/mastercard have too much influence and would never let such a system fly because it disrupts their existing business model.