Want to really reach out to emerging markets? The key doesn’t lie in their wallets: it’s in their mobile phones. That’s the bet being made by Fortumo, an Estonian company looking to cater to the underbanked through Direct Carrier Billing (DCB). It’s not what many first think of when mobile payments comes to mind, but according to Gerry Kodres, VP of business development, it’s an industry with big possibility. We spoke with Kodres at Mobile World Congress about how Fortumo operates, the most lucrative DCB markets and why mobile operators are increasingly attracted to DCB as a payments option.