From the consumer point of view, one of the main constraints to economic growth in Africa is the lack of credit cards. If the established credit card companies do not fill this market gap, it is likely that mobile phone operators will.  -   Tim Kelly     Quotes
From the consumer point of view, one of the main constraints to economic growth in Africa is the lack of credit cards. If the established credit card companies do not fill this market gap, it is likely that mobile phone operators will. Tim Kelly
 Growth