This is a very important post! Thanks for this perspective, Paul.

I work in Myanmar, where most people are coming online for the first time. DFS is in its earliest days here, but it's growing rapidly. Quite frankly, the DFS providers aren't doing enough to prepare clients for the literacy required to transition into a digital world, especially on issues of personal security like PINs and Password protections. The social enterprise I lead is launching a campaign this week that uses a combination of entertaining animated shorts to reduce customer suspicion of DFS products, a heuristics-style e-training to build understanding of e-wallet security and use cases, and calls to action linking them to DFServices. But all of this is undermined if the providers haven't done their part in securing their systems! Can you comment on what the reality is on the ground in Myanmar DFS? What about the security of smart phone-based mobile money transactions relative to USSD?