Mobile customers who are not on your mobile money scheme represent more than foregone incremental revenue. Never mind that those non-customers are not generating any mobile money revenue – they are actually reducing the value of mobile money for everyone else. That’s inherent in a network business, it’s what we call a network effect. The value to me of being part of the network increases with the number of other people who are on it.

Read more: http://mmublog.org/blog/three-enemies-and-a-silver-bullet/