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Cell Phones affect the lives of billions of people around the globe, including the poor. Changing Cell Phone technology has revealed opportunities and allowed nearly three billion people without bank accounts access financial services. Cell Phones have provided an unprecedented opportunity for financial development and access, and are set to become a common tool for conducting financial transactions in the near future. The private sector is responding to this great opportunity by developing Cell Phonefinancial services (m-FS). Banks, Cell Phone operators, and other non-bank institutions have developed financial transaction services that are available in industrialized and, increasingly, in developing countries. Among the services are domestic and international money transfers; deposits and withdrawals; bill and retail payments; payroll services, loan disbursement; repayments and stock exchange trading; and even electronic currencies. The growth of these services depends on the presence of a viable business model, customer demand, and an enabling business environment.This book depicts future transformation thoughts of developments.