Despite having one of the highest poverty levels in the world, sub-Saharan Africa is the world leader in mobile financing. Mobile money transferring services are available in 36 of 47 countries in Africa, with more active accounts than anywhere else in the world.

Men's clothing store Hointer is out to revolutionise retail. Founded by a senior ex-Amazon employee, it combines the best of physical and digital in a customer-centric real-world experience that's as fast and efficient as buying online.

South African communities have embraced Callback, a free call request service, as a means of mobile communication. Utilised in an imaginative and unanticipated way, it signals the mutability of technology and technology culture in emerging markets.

As part of its Uncarrier repositioning, T-Mobile is launching into the banking business with a pre-paid debit card and banking app. But if people aren't willing to trust banks with their cash, why should they trust a telecoms provider?