<html><body><div style="color:#000; background-color:#fff; font-family:verdana, helvetica, sans-serif;font-size:12pt"><div><span>I live in the French-speaking part of Africa where CFA (XOF) is the currency. This region covers 15+ countries, yet no mobile operator can run "Mobile money" outside of its own network and clients. <br></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><br><span></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><span>You cannot use OrangeMoney with MTN client. The fiscal law in the CFA zone is not something any IT Startup wants to delve into. </span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style:
normal;"><br><span></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><span><br></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><br><span></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><span>And just by the way, you need to be able to read and write to do any kind of payment - bank, web, mobile..</span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><br><span></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><span>Just
saying</span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><br><span></span></div><div style="color: rgb(0, 0, 0); font-size: 16px; font-family: verdana,helvetica,sans-serif; background-color: transparent; font-style: normal;"><span>N<br></span></div><div> </div><div><br><span style="color:rgb(0, 0, 0);font-style:italic;"></span><br></div> <div style="font-family: verdana, helvetica, sans-serif; font-size: 12pt;"> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <div dir="ltr"> <hr size="1"> <font face="Arial" size="2"> <b><span style="font-weight:bold;">From:</span></b> Carlos A. Afonso <ca@cafonso.ca><br> <b><span style="font-weight: bold;">To:</span></b> governance@lists.igcaucus.org; McTim <dogwallah@gmail.com> <br><b><span style="font-weight: bold;">Cc:</span></b> Ian Peter
<ian.peter@ianpeter.com>; Norbert Bollow <nb@bollow.ch> <br> <b><span style="font-weight: bold;">Sent:</span></b> Tuesday, April 16, 2013 9:44 PM<br> <b><span style="font-weight: bold;">Subject:</span></b> Re: [governance] Web payments<br> </font> </div> <div class="y_msg_container"><br>McT, paying electronically without a bank, credit card or similar <br>account is impossible, unless billing is done against a postpaid cell <br>phone account. As Lavoisier suggested, money, like energy, is not <br>created out of the blue (except by govs :)). This "enormous success" <br>might be referring to a minority of people.<br><br>frt rgds<br><br>--c.a.<br><br>On 04/16/2013 05:10 PM, McTim wrote:<br>> On Tue, Apr 16, 2013 at 3:54 PM, Ian Peter <<a ymailto="mailto:ian.peter@ianpeter.com" href="mailto:ian.peter@ianpeter.com">ian.peter@ianpeter.com</a>> wrote:<br>>> question - how many of the 2.5 billion people who can't afford bank
accounts<br>>> can afford mobile phones and internet access?<br>><br>><br>> lots...many if not most perhaps.<br>><br>> mobile money is an enormous success in Africa. All done via cheap mobiles.<br>><br><br><br>____________________________________________________________<br>You received this message as a subscriber on the list:<br> <a ymailto="mailto:governance@lists.igcaucus.org" href="mailto:governance@lists.igcaucus.org">governance@lists.igcaucus.org</a><br>To be removed from the list, visit:<br> <a href="http://www.igcaucus.org/unsubscribing" target="_blank">http://www.igcaucus.org/unsubscribing</a><br><br>For all other list information and functions, see:<br> <a href="http://lists.igcaucus.org/info/governance" target="_blank">http://lists.igcaucus.org/info/governance</a><br>To edit your profile and to find the IGC's charter, see:<br> <a
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