When police officers in Afghanistan’s mountainous Wardak province began receiving their $200-per-month salaries via their mobile phones in 2009, many wondered why they had gotten a raise. They hadn’t. It turns out their superiors had been skimming from their salaries, which were previously paid in cash.
That anecdote appears in State Department cables describing M-Paisa, a mobile-phone payment system run by Afghanistan’s largest telecom operator, Roshan, that now reaches 1.2 million Afghans and is described by U.S. officials as a potential “breakthrough technology” for the country.