- Mobile 2.0: M-money for the BoP in the Philippines « Information Technologies & International Development – Erwin Alampay and Gemma Bala analyse the potential for mobile banking uptake among the Philippines' BoP. They argue that remittances, both internal and international, could drive uptake. Mobile money transfers provide a cheaper alternative to conventional money transfer options. The authors identify three levels of access necessary for m-banking usage: mental, material, and skill access. While most Filipinos have access to a mobile phone and know how to use it, uncertainty over how mobile payments work is found to be a barrier to usage.