先前nokia 向 obopay 買入preferred share，當然是一個策略性的合作關係。

nokia money 這個platform 是建基於obopay 的mobile payment的方法。

4 billion mobile phones but only 1.6 billion bank accounts
“We believe mobile financial services offer a market opportunity with long term growth potential. In many countries, mobile phone ownership significantly exceeds bank account usage, suggesting that many mobile phone users have very limited or no access to basic financial services. With more than 4 billion mobile phone users and only 1.6 billion bank accounts, global demand for access to financial services presents a strong opportunity to combine mobile devices with simple but powerful financial services such as Nokia Money”, said Mary McDowell, EVP and Chief Development Officer, Nokia.

這樣當然可以代表有很多growth opportunity。但是要改變用戶的shopping behaviour，其實都不簡單的。

不過如果不建立這些infrastructure的話，就會有其他人做類似的事，到時就失去先機了，(即是無得選擇，一就淘汰別人，一是被人淘汰，已經不能原地踏步)

Source: http://www.nokia.com/press/press-releases/showpressrelease?newsid=1337248