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  Mobile Person-to-Person Payments and Transfers: Security and Timing are Everything
      Javelin Strategy & Research - March 2008

"Mobile person-to-person payments and transfers (mobile P2P) offer the first income-generating step for financial institutions on the pathway to full mobile banking and payments. While still a niche product, demand is growing and one out of ten consumers currently states that he or she would likely use mobile P2P if the service were available. This report is based on an online survey of 2192 consumers, a survey of 26 executives from the financial industry, and ten interviews of executives in the payments industry. ..."

  Mobile Financial Services and the Underbanked: Opportunities and Challenges for Mbanking and Mpayments
      Center for Financial Services Innovation - April 30, 2007

"This paper focuses on how mobile phones could be used to provide financial services to the underbanked in the United States. Mobile financial services (MFS) in the United States may finally be taking off, after years of lagging behind other countries. There are many new technologies and product offerings that may speed the adoption of MFS, but also many questions that must be answered. ..."