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I see Bill Gates blog mentions the statistic that financial services of any kind have been available to only 10 percent of the 2.5 billion people who live on less than $2 per day. And just as the Bill & Melinda Gates foundation is looking to empower people through trade rather than aid, I was struck by the recent article by Eric Schmidt on Google's focus for the coming period. That's useful because I never hear anything from the other parts of the company who categorically will not speculate. The article is here hbr.org/web/extras/hbr-agenda-2011/eric-schmidt . So with the second point in mind, (Google and Money transactions) have a look at this award winning start-up who are using mobile technology to make secure payments at retail outlets in developing countries. Skype founders talked about developments in this direction at the 2009 Leweb. But I got the impression Tagattitude was a lot further. Watch the demo and see if you agree. They have great technology, but need help with new brand names. May be it works in French. tagattitude.fr