I have read many articles about mobile DCB (direct carrier billing) rates for payment conversion rates comprehensively eclipsing credit cards for mobile content. I have read way to many articles to be convinced otherwise.
According to business insider india mobile payment Conversion rates are up to 8 times that of credit cards in emerging markets and 3x in established markets.
According to business insider India only 1.93 percent of adults have credit cards in emerging markets. I read that pakistan was around 1 percent.
In the medium to long term.....DCB payments for physical goods and services cannot be discounted either. (Notice retweet from mbe July 7). There is an article about this on mobilepaymentstoday.com
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