In Uganda, where villages often have one top-up phone run by a trusted operator, a basic system helps store and transfer money.

在乌干达，每个村庄有一个充值电话，由可信的接线员管理，这一基本系统帮助人们存款或转帐。

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But despite the apparently frictionless transfer of money through the air, making a money-transfer system work smoothly requires a great deal of backstage effort.

尽管通过手机完成转账业务不会造成明显的冲突，但要使转账系统运行顺利的话，需要在幕后付出大量的心血。

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For a population who deals mostly in cash, being able to transfer money via a mobile phone payment system presents a huge opportunity to them.

对于一个大部分买卖都通过现金交易的人群，推出手机转账业务转意味着巨大的商机。

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The US started receiving data from Swift, a money transfer system based in Brussels which handles millions of transactions daily.

BBC: Q&A: US data deal with Europe

In Kenya, the M-Pesa mobile money transfer system was launched in 2007 and is now woven into the fabric of everyday life.

BBC: Mobile money - has its moment come?

Shoppers in Kenya will do it by texting a cashier equipped with a relatively cheap handset like the Nokia 1208 essentially a face-to-face version of the M-PESA money transfer system.

FORBES: How Africans Shop With Their Cellphones