With 9.9 billion cell phones in use worldwide, the devices are ubiquitous.   Extension of the capability of apps serving users has drivng usage patterns expansively.  Everyone has access to a smartphone.  The study documents the impacet ofvarious apps on markets.  Users can choose what info they would like highlighted.  
 
In Africa, and everywhere, this is the device of choice to do banking.   The market research study provides insight into market driving forces, assessment of market opportunities, market share analysis, and market forecasts.