This report prepared for an international publication ‘Global Mobile’ builds a compelling social and business case for leveraging mobile communication to shape financial access and opportunities for people who may not have traditional banking entitlement. It identifies mobile phone–based financial transactions involving government and public-sector agencies and discusses innovations in foreign remittances, micro-credit, and micro-insurance. Roles and partnerships of stakeholders such as banks, operators, and other third parties are identified and illustrated with numerous case studies from Asia, Africa, and Latin America. Recommendations are made for regulators and service providers to increase the reach and utility of mobile financial services. The book is due to come out March, 2013.