[divider line_type="No Line" custom_height="20"][image_with_animation image_url="162847" image_size="full" animation_type="entrance" animation="Fade In From Bottom" animation_easing="default" animation_movement_type="transform_y" hover_animation="none" alignment="" border_radius="none" box_shadow="medium_depth" image_loading="default" max_width="100%" max_width_mobile="default"]

[divider line_type="No Line" custom_height="30"][divider line_type="No Line" custom_height="10"][social_buttons style="fixed" facebook="true" twitter="true" linkedin="true" pinterest="true" full_width_icons="true" google_plus="true"]

[divider line_type="Full Width Line" line_thickness="1" divider_color="extra-color-1" animate="yes" custom_height="40"]

[nectar_circle_images images="118822" sizing="140" positioning="overlapping" stacking_order="ltr" alignment_desktop="middle" alignment_tablet="inherit" alignment_phone="inherit" animation="fade-in" image_size="nectar_small_square" image_loading="default"]

[nectar_circle_images images="142222" sizing="140" positioning="overlapping" stacking_order="ltr" alignment_desktop="middle" alignment_tablet="inherit" alignment_phone="inherit" animation="fade-in" image_size="nectar_small_square" image_loading="default"]

[divider line_type="Full Width Line" line_thickness="1" divider_color="extra-color-1" animate="yes" custom_height="10"]

[divider line_type="Full Width Line" line_thickness="1" divider_color="extra-color-1" animate="yes" custom_height="10"]

[nectar_circle_images images="143469" sizing="140" positioning="overlapping" stacking_order="ltr" alignment_desktop="middle" alignment_tablet="inherit" alignment_phone="inherit" animation="fade-in" image_size="nectar_small_square" image_loading="default"]

[nectar_circle_images images="142354" sizing="140" positioning="overlapping" stacking_order="ltr" alignment_desktop="middle" alignment_tablet="inherit" alignment_phone="inherit" animation="fade-in" image_size="nectar_small_square" image_loading="default"]

[divider line_type="Full Width Line" line_thickness="1" divider_color="extra-color-1" animate="yes" custom_height="10"]

[divider line_type="Full Width Line" line_thickness="1" divider_color="extra-color-1" animate="yes" custom_height="10"]

[nectar_circle_images images="114713" sizing="140" positioning="overlapping" stacking_order="ltr" alignment_desktop="middle" alignment_tablet="inherit" alignment_phone="inherit" animation="fade-in" image_size="nectar_small_square" image_loading="default"]

[nectar_single_testimonial testimonial_style="basic_left_image" image="161795" quote="``At the start of this century, a few enthusiastic phone owners started to pay for ringtones using reverse billed SMS messages. Premium text was an innovative (if clunky) solution to a pretty frivolous business need. But it was, in fact, the start of a mobile payments revolution. Today, mobile payments are everywhere. People store bank cards in wallets on their phones and use them to buy things in store and online. They use phone credit or dedicated mobile money accounts to trade, save and make purchases. Meanwhile micro-merchants use dedicated POS readers to receive mobile payments. It all adds up to an industry that transacts trillions of dollars every year. But this market never stands still. How can industry insiders stay on top of these developments? The MEF can help. Our Payments workstream comprises virtually every major company active in the sector. We are delighted to present the first MEF Payments yearbook. It contains all the latest data and insight on this influential space. We hope you find it useful.``" name="Claire Maslen" subtitle="Advisor, MEF"]