Payments systems vary across the globe, from cash-based economies to those driven by credit. The way consumers pay in the US, for example, might seem obsolete to consumers in other countries.
In Kenya, anyone with a mobile phone — smartphone or not — can use M-Pesa to send money, pay for things, and access credit. The service is used by almost all adults in the country.
Vipera (LON:VIP), is a true pioneer; present at the dawn of mobile banking over a decade ago, enabling the first steps taken by banks to provide a smartphone based customer experience.