The growing popularity of mobile payments is both an opportunity and a challenge to bankers, retailers and mobile phone operators.
Spotting the likely winners and losers is difficult but the next two to three years are expected to see a shake-out in this market as competing technologies and business models battle for supremacy.
The banks run the risk of outsiders gaining a foothold in their basic business of handling money transactions – as mobile operators already have in parts of Africa, for example – while the mobile operators face the prospect of other providers, such as banks and specialist payment services, gaining a cheap ride on their networks.
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