A roadside store advertises an access point for the M-Pesa mobile phone money transfer service operated by Standard Bank Group Ltd. in Tembisa, near Johannesburg, South Africa, on Tuesday, May 21, 2013. In the six years since Kenya's M-Pesa brought banking-by-phone to Africa, the service has grown from a novelty to a bona fide payment network. Photographer: Nadine Hutton/Bloomberg via Getty Images
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