Deepak Chandnani, CEO of Obopay Inc., talks about their partnership with Nokia and their m-banking launch in India with Nokia Money three years ago. Nokia Money started out as a pilot in two cities and has now been rolled out to the National Capital Region. They have partnered with two banks and offer two types of mobile money accounts to the end user -- an open loop account and a semi-closed account. He shares the initial experience and learnings around customer behaviour, product uptake and agent management. Deepak also talks about the future of m-banking in India with the emergence of an enabling environment in terms of regulatory changes and emergence of market makers.