When we last spoke to Bill Gajda, Visa's head of mobile, in June 2011, the payments provider had just acquired emerging markets mobile banking special-ist Fundamo. At the time, the main topic of conversation was banking the unbanked. In a market where two billion people had a mobile phone but no relationship with a financial institution, the opportunities were clear and the outcome the same as that in mature markets-you had to bank the people before you could get them to transact.
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