The mobile payments service includes all theinitiatives that enable payments or money transfer by cellularphone, regardless of the means of payment used (credit-debitprepaidcards, phone bill) and the technology involved (remotepayment via internet, contactless payments at a POS or directremittance by cellphones). The industry of mobile paymentstoday is still in a start-up phase and the nature and extend ofapproaches to these innovations are not uniform around theworld and inside the same countries. The way and the intensity itwill be widespread in the market is going to depend on theecosystems that would be designed and developed. As for thispurpose, the scope of the article is first to highlight the mainvariables enabling or limiting its diffusion in the market. Andsecondly it is to highlight why retail banks should enter themobile ecosystem mainly to regain their key role in the market asthey had in the past
