just noticed this post about mobile payment UI and M-Pesa in Afghanistan. It occurs to me that development of alternative banking in western Europe can't keep up with other areas.
Possibly, a lack of effective (payments-) infrastructure adds to the opportunity of raising new business models in developing areas. However, I'm not sure whether this 'backwardness' is actually the case. Many industries start to display really high standards (in terms of quality and effectiveness).
Anyhow, since banking is in the 'tight spot' and communicating is not, there are opportunities in the western hemisphere as well. For example, I wonder if P2P money transferring will take off if centralized banking by telco's or banks takes too long.
More on P2P banking later on.
VodafoneThree bids for TalkTalk consumer business
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Acquisition would help UK’s largest mobile operator fulfil ambition to
double its broadband business
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