The proliferation of Mobile Money services, particularly “Person-to-Person Transfer Services” provide a foundation for Developing Countries to promote Financial Inclusion. Financial Inclusion requires a formal financial system that can be trusted by the users. Service Providers of Mobile Money services are, or at least should be, considered part of the formal financial system. This is because the operation of the formal financial system is profoundly important for economic growth and poverty alleviation. It influences how many people are hungry, homeless, and in pain. It shapes the gap between the rich and the poor. It arbitrates who can start a business and who cannot, who can pay for education and who cannot, who can attempt to realize one’s dream.