Your perspective describes the underlying issue much clearly than those who talk about "leapfrogging". The newer platforms (like mobile banking) were adopted i

Your perspective describes the underlying issue much clearly than those who talk about "leapfrogging". The newer platforms (like mobile banking) were adopted in those (poorer) markets because they were cheaper to deploy relative to the technology that preceeded them, and perhaps more importantly, they had less inertia to overcome (against entrenched interests).