A while back; Mpesa rights/technology was purchased by Bill Gates foundation and reapplied in some disadvantaged Middle East countries like Afghanistan under new label MPAISA.. It seems to be gaining popular ground - with test carried out on payrolls. In countries like Senegal -- when these 'restrictions' and with limited investment resources - they adapted by using Petrol Stations like Total, Shell which are widely spread across the country; with a combination of SMS. Uganda seems to be gaining ground too -- but not under Vodafone; MTN seems to understand customers more in their host countries. The emerging pattern here it seems :
The more developed a country is; the less people need the service; and the more are the banking regulations. This is not to say that the poor/underprivileged do not need the technology -- But unfortunately, as we discussed before the early adopters of technology are employed youth.
For the less developed countries - the focus is on economic improvements; and if such a service emerges that promises to bridge the gap; the regulations are willing to give it a chance