One of the hottest markets in Silicon Valley this year is mobile payment: VC's financing start-ups, Fortune 500’s trialing solutions, and Internet giants battling over patents and executive staff, you name it. Smart phones have become the primary battle-ground for Google and Apple. But you would be surprised where the up-take for those new servies is the strongest? Nope, not North America. It is Africa after Japan pioneered mobile payment a few years ago.