–  The financial institution must carry out a due diligence on the mobile money operator and must obtain proof of financial position, review the operator’s business plan, risk management proposal, technology system and Anti Money Laundering (AML)/ Countering the Financing of Terrorism (CFT) measures. –  There must be an agreement between the financial institution and the mobile money operator.
Finally, money must serve as a unit of account, which you need in order to compare prices – like comparing the value of the new BlackBerry with other mobile devices on the market. The form of money we know best is bank notes.