“…Likewise, the phenomenon of mobile phone cash transfers has had an unimaginable impact in Africa -mobile phones have literally become 'banking halls' and 'wallets' for individuals who do not have bank accounts or those who choose to use alternative financial services. Across East Africa, which has taken the lead in this regard, the mobile phone transacts more money than banks on a daily basis, thus facilitating positive socioeconomic transformation (Etzo and Collender 2010;Wasserman 2011). It is not surprising, therefore, that the rapid adoption of the technology and its dramatic benefits in Africa 'have frequently been described in unrestrained terms as "staggering", a "remarkable" phenomenon, and a "revolution"' (Etzo and Collender 2010, 659).…”