AudiencScapes

Poor people have surprisingly complicated financial lives
given how little money they have. 
You would, too, if your “$1 a day” income actually came in the form of
$60 on one day, and no dollars for the next two months. The poor understand their critical need to both budget and save money.

The consensus seemed to be that mobile services are the way forward for
Africa. However, once the low-hanging fruit among potential users has
been plucked, so to speak, reaching the poorest and most remote segments
of the population will require additional effort.