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Nations with high population and mobiteledensity such as Nigeria have great opportunity for mobile banking. However, intervention and innovation in what i called in my book 'Corporate Governance Matrix and the Morality of the Corporation' as the 7 areas of corporate governance matrix: legality, morality, economic efficiency, politics, time closure, etc. In Nigeria, we have come to the conclusion that d m-pesa or orange models of kenya would not work. PayModem (www.paymodem), due to be launched November 21, 2011 is our response to the Nigerian need.