Why Apple's New Phones Won't Change the World but Nokia's Will (Bloomberg Businessweek)

From the article: 

One reason mobile phones have a considerably greater impact in poor countries is because other information-based services are so weak. Only about one-quarter of people in sub-Saharan Africa have an account at a financial institution—let alone a Visa or American Express card. Mobile payments have leapfrogged the rollout of plastic payment systems across the region. As many as 60 percent of Kenyans use their mobile phone for financial transactions, and almost three times as many people in the country use mobile banking than have a debit or credit card.

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