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I. Introduction
The long awaited integration of mobile telephone and banking services is beginning to make an appearance - in emerging and developing markets. It has the potential to generate significant economic benefits, extending access to financial services and perhaps stimulating more fundamental changes and increased competition in the sector. Where the costs of traditional retail banking have been too high, or where their distribution arrangements are inappropriate to serve low income clients, mobiles are enabling new business models that could extend access to financial services in these markets. Regulatory reform may also enable mobile banks as a group to foster the rise of new, more efficient international retail settlement networks of particular relevance to the growing population of immigrants and their demand for cross-border banking services.
But these transformations may be constrained by financial and other regulatory frameworks. There are many formal barriers to......

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Approximate Word Count: 4424
Approximate Pages: 18 (250 words per double-spaced page)

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