Banks in Uganda are present only in major cities. Thus only 20% of Ugandans have bank accounts whereas 80% have mobile phones. MTN, the African telecom operator, has decided to develop and offer a mobile money system through USSD – a simple technology compatible with all mobile phones. Posters with 3D ATM printed on it have been places in national newspapers and have been used to show that mobile money is accepted and to show how easy it is to sign up and open an account. MTNs initiative has helped over a billion dolalrs to be exchanged through there mobile banking scheme