An idea who's time has come

Dave Birch does a great job illustrating how the M-Pesa meme (Person to Person money tranfer via cell phone) is a) growing and b) wide spread. This is an exciting time with the base technology becoming widely available and affordable, and the concepts resonating across cultures and nations. The most interesting part of it all for me is how something cross-cultural (need for p2p payments on mobiles) is constrained by operational difficulties that firms operating in this area face by virtue of the country (ie culture) in which they operate