WIZZIT

"...WIZZIT is a cellphone-based banking facility whose target market is the estimated 16 million unbanked or underbanked South Africans - about 60 percent of the country's population. Unlike its competitors (FNB and MTN), WIZZIT does not require users to have a bank account and is compatible with early generation cell phones popular in low-income communities. The facility even works with customers who use pay-as-you-go cellphones - another distinction. In addition to being able to conduct cellphone-to-cellphone transactions, WIZZIT account holders are issued Maestro debit cards that can be used at any ATM or retailer..."
via NextBillion