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Banking as Plumbing: Dumb Pipes or Smart Infrastructure - Part 1/2

There has been long-standing paranoia in telecom circles of mobile operators becoming ‘dumb pipes’. Most mobile network operators (MNOs) around the world have been trying to fight the over-the-top forces that threaten to erode their margins, and make them mere carriers of information. Their contention is that their massive investments in spectrum and other operational infrastructure cannot be offered simply as bandwidth for companies like Apple, Google and Facebook to innovate and monetize on with direct end-consumer relationships, effectively bypassing the mobile operator in the process.

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