I believe that cell phone transactions are likely to make the greatest impact in transforming the future of money. Such transactions are becoming increasingly widespread and they have several advantages. First, cell phone coverage gives the reach and mobility of internet-based transactions but mobile networks often spread faster than the internet into rural communities. With the increasing spread of cell phones that can access the internet via mobile networks, the spread of mobile transactions will allow users to tap into the variety of different currencies and monetary innovations that are spreading, including diy currencies and the online monetary networks such as PayPal and Twitter.
Rapid spread and broad scope.