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By Irving Wladawsky-Berger
December 28, 2011
![[article image]](https://cacm.acm.org/system/assets/0000/6863/122811.irving_wladawsky-berger.large.jpg?1476779422&1325107329 "Irving Wladawsky-Berger")
At the beginning of this year I wrote that the transition to universal mobile digital money is likely to be among the most exciting, important and challenging projects the world will undertake in the coming decades. Everything I have learned through the year indicates that, while still in the very early stages, the transition is well underway and gathering momentum.
From Irving Wladawsky-Berger
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