The M-PESA mobile currency in Kenya is a world-first: buyers and sellers make payments (with the support of a network of agents to receive or deposit cash) without using the formal banking system. It should be directly replicated in Nigeria and other African Countries. Its simple and highly effective. The NCC and CBN and other stakeholders should get together with the phone networks and make it happen. I know several Nigerian tech supergeeks who should be part of the plan.