Goat Commerce on a Cell Phone

Recently seen . A novel example of how mobile commerce is being used effectively in the third world. In particular the payment aspect of this example. Via Khurram Hamid. Will we eventually have cell phones replace cards, which have now been around commonly since the 70s. ? Will there be an intermediate phase with touchless cards? Evan Schuman discusess a bit of the psychology of the phenomenon. I am more optimistic that the transition will be made soon.