In this video series-1, Daniel Radcliffe, Program Officer, Bill & Melinda Gates Foundation, talks about the fundamental factors that affect the growth and success of retail payment systems. He insists that remote payments add the 'wow' factor to mobile banking. Daniel further discusses the need to scale mobile banking in order to become economically viable. Daniel identifies network and trust as major factors affecting the expansion of retail system. To overcome these barriers, mobile money deployments need to reach a critical mass of customers as quickly as possible.