Sri Lanka's population is stilllargely rural, nearly 85 percent lives outside of cities.There will probably be rural-to-urban migration in thefuture, which represents a potential opportunity to m-moneyproviders. People working in cities often wish to repatriatetheir savings to their rural families conveniently and at alow cost. Income is fairly evenly spread across Sri Lanka sprovinces, with the exception of the Western Province whereColombo, the largest city, is situated. Its GDP per capitaplaces Sri Lanka near the average of comparable SoutheastAsian countries. Malaysia is clearly an outlier with aconsiderably higher GDP per capita, but Sri Lanka s GDP ishigher than that of the Philippines, where m-money has takenoff dramatically. Poverty is less of a problem in Sri Lankarelative to countries like Bangladesh or Cambodia, where GDPper capita is much lower. The key point is that Sri Lanka isat a different stage in its economic development and isunlikely to have the same socioeconomic conditions that madem-money in Kenya accelerate so rapidly.