Good Article and really true on what was pointed out. Having a merchant and agent network is key to the mobile payments industry. Apple, if wants to be the champion in Mobile Money space has to use its magic want and change consumer behaviour. Like many even i have been an ardent fan of Apple products. I think there should be someone with an equal pedigree of Mr. Jobs to redefine the WOW factor that apple products and applications (to a certain extent used to have)