I was recently involved in a spirited discussion with a couple of people online. The subject? The perception that African countries are somehow lagging behind the rest of the world in terms of technological innovation. I argued against that idea, citing a number of examples from different countries on the continent that show remarkable innovations and concepts. One of those concepts has grown into a viable movement that is just now catching the eye of the west. What is it exactly? The mobile payment movement. To be more precise, M-PESA.