05 CONSIDER CARRIERS as FINANCIAL SERVICE COMPANIES Carriers already bill for data plans to opportunities for subscription-based their customers, and some (though models (especially if these services few) other regular billing activities are based on data usage). can be processed through these carrier bills. Are there efficiency and convenience gains to be conceived by integrating other regular billing activities (e.g. utilities, media subscriptions) through a carrier’s system? This would potentially allow for a more comprehensive data view of individuals’ financial transactions and would also provide acquisition 101