Congrats! It will be interesting to see how other forms of payment like scratch cards (as mentioned below) and payments through intermediaries figure into a universal digital payments infrastructure to expand the financial services for underserved populations. Any thoughts on this? Matt Grasser recently published a post about the application of open APIs in financial inclusion, check it out! https://medium.com/fibr/three-reasons-why-open-apis-will-transform-fintech-innovation-in-emerging-markets-bdf494fe5289#.7xlkbvt9m