Just be aware though that you need SMS transaction capability in Africa (and also Asia not to forget South America) to cover the unbanked population effectively.
Most of the unbanked don't have smartphones. They mostly have cheap and simple phones with SMS being the main function - no data capability.
sending needs to be simply a text
SEND +639098176154 1000000 DGB
The simple SMS wallet and network solution is a centralised one - perhaps run by Digibyte. This has the inherent risks involved with any centralisation. The decentralised solution is very complicated.
http://cointelegraph.com/news/113716/online-bitcoin-trading-takes-root-in-africa
https://twitter.com/ice3x
http://www.newswire.com/press-release/a-new-digital-banking-platform-in-nigeria-is-soon-to-be-launched
https://twitter.com/BitStake
I really think that Digibyte is primed to enter this area. Allot of unbanked and the exchange rates right now are crazy high.
What do you guys think?