2017 is only weeks old and the deals are starting already. One which caught my eye is in Vietnam. There, we see mobile payments company Fortumo partnering with mobile operator Vietnamobile to launch carrier billing on the Google Play app store. What I like about this is the carrier billing cuts out the bank. In markets such as Vietnam, where credit card penetration is low – below 2% – its means that the 40% of the population who own a smartphone can still easily buy their mobile services.