In this edition of the About-Payments Spotlight we give the stage to carrier billing company Fortumo. Fortumo was born out of a simple question: if mobile phones can be used for all kinds of things besides talking and texting, why are they not used for payments? At least three times more people have mobile phones than credit cards. The more emerging the market is, the bigger the difference in favor of mobile phones over credit cards. That's why back in 2007 Rain Rannu, Veljo Otsason and Martin Koppel (interviewed), having spent most of their working life in the mobile industry, started Fortumo.