M-Pesa: Kenya teaches the developed world about the mobile wallet
22 November 2010 Last updated at 07:24 GMT
Using your mobile phone to do your banking and to buy goods and services is becoming more common, with the rise of the smartphone.
In developing world countries like Kenya, the technology to do this has been around for several years - and you do not need a bank account to use it.
M-Pesa launched in 2007, and there are now nearly 100 services like it around the world, mainly in developing countries.
Can the developed world learn from Kenya's experience with the mobile wallet?
The BBC's Fiona Graham finds out.