Eventually, the idea spread and in 1999, the Philippines launched the country’s first commercial mobile payments systems with mobile operators Globe and Smart.citation needed Kenya’s M-PESA mobile banking service, for example, allows customers of the mobile phone operator Safaricom to hold cash balances which are recorded on their SIM cards. Soon afterwards, other media content appeared, such as news, video games, jokes, horoscopes, TV content and advertising. In 1998, one of the first examples of distributing and selling media content through the mobile phone was the sale of ringtones [...]