Thanks for the good analysis and for pointing out the important investments taking place in this industry. As Hugo rightly points out, while Kenya led the way, mobile money (digital money used for payments, remittances, purchases and many other transaction types via a mobile phone) is now scaling in many other developing countries outside of Sub-Saharan Africa, with international remittances as just one of the important industry shifts taking place last year. For the latest data showing what's happening in this industry you might want to see GSMA's annual State of the Industry Report:
http://www.gsma.com/mobilefordevelopment/the-gsma-releases-mmu-2013-state-of-the-industry-report-on-mobile-financial-services-for-the-unbanked

The next version is coming out in March this year, using the latest data directly from mobile money providers in 2014.