O4 FINANCIAL SERVICES O1 WITH FINANCIAL SERVICES CARRIER INTEGRATION Arguably, the industry that has embraced mobile accessibility the most and made huge strides is the financial services industry – specifically providers of payment solutions, credit/lending services and insurance, particularly in developing nations. In this space, start-ups, established banking players and carriers are working together to provide these services. Vodafone’s m-pesa service in Africa, India, and Eastern Europe is one of the more prominent and successful examples of this. In 2015 in South Africa, the local bank FNB other carriers as well. The service is a natural offered its customers pre- and post-paid cell extension of the bank’s financial services coverage. It currently uses a specific carrier’s business, which includes a rewards program cell towers, but says it is open to expanding to and mobile bill-pay capability. 72