Me too.  But...M-pesa is doing billions a month, now, with roughly the same old SMS screens: <a href="http:&#x2F;&#x2F;africanbusinessmagazine.com&#x2F;wordpress&#x2F;wp-content&#x2F;uploads&#x2F;2014&#x2F;07&#x2F;mobile-payment.png" rel="nofollow">http:&#x2F;&#x2F;africanbusinessmagazine.com&#x2F;wordpress&#x2F;wp-content&#x2F;uplo...</a>