One recurring point made by almost everyone we spoke to for the mobile money issue, is that cash is of no value to anybody in this ecosystem. The cash value chain features the smallest number of participants – the buyer and the seller – with no opportunity for anyone else to skim a wafer thin transaction charge off the top. Moreover, cash is seen as inconvenient and insecure, and some might argue it’s on the way to getting a bad rep as a payment mechanism. So will digital triumph by virtue alone?

In a world where it’s almost too easy to part with your digital currency, innovation has moved on to the contents of the digital wallet.