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As long as the mobile channel uses Regulated rails then this is a great way to go, but it can be Bank to Bank also. Using technology to eliminate the costs is the answer. We have set up a number of JV's using our technology and Regulation which result in an all in cost of much less that the World bank target of 5%. For example - we have powered up the lowest cost instant money transfer to Kenya - you can send up to £100 for £1 only. We now have been approached by a lot of Banks and Telcos who now realise that they need to partner with a white label low cost Regulated (which is key) technology partner. If you are looking to anable a solution that will enable remittances for an all in cost of <5% then get in touch and we can help.