The mobile banking revolution has already happened, but it has nothing to do with Apple, Google, or Microsoft, and isn't in the US, Europe, or Japan. Instead, it started with a service called m-Pesa that launched in Kenya in 2007. Just three years later, the service had been used by more than half the Kenyan population and as of March of this year it had been used by 15 million people in the country. This rise of mobile banking means that citizens don't have to risk being robbed while carrying cash, and also allows for those without bank accounts or permanent addresses to participate in the country's economy. Similar services are cropping up in countries like Uganda and Brazil, but for the full story on how Kenya's thriving mobile payment system took off, check out the source link below.