Teens are an example of a group that has mobile phones and doesn't have credit cards (or bank debit cards) and there are other examples. There is also a group t

Teens are an example of a group that has mobile phones and doesn't have credit cards (or bank debit cards) and there are other examples. There is also a group that has bank cards, secured credit cards (i.e., requires up-front payment), but doesn't have any means of credit/lay-away-payment available to them that is as easy as a credit card. Plenty of CPA ads relied on users clicking through to make a purchase using their phone (being billed for what they've purchased). Finding a way to make this purchasing scheme more legitimate (explicitly warn the users that, yes, they will have to pay one way or another) would be the next logical step.