Every year around this time, millions of Americans fill out a form 1040 – hoping they don’t have to write a check to Uncle Sam. Millions more know they will be getting a “refund”; which is normally a return of some portion of “their money” that was withheld in excess of what the IRS thinks they were “owed;” while a smaller number will receive a “refund”...

    By 2013, Mobile money will exceed 300 Billion USD. Today, any person can pay their bills on the phone. People are paying for their services, products, customers, clients, shops, and friends with their mobile phone. Mobile money began to take shape on itself. When the flow of the economic system began to realize that credit on the phone was money and that credit...