The TPAY Mobile white paper explores the evolution and future of Direct Carrier Billing (DCB) in the Middle East, Africa, and beyond. DCB enables payments through phone bills, democratizing access for unbanked populations and driving financial inclusion. The market is growing rapidly, with global spend projected to hit $136.9B by 2029, driven by digital games, OTT video, and rising use in physical goods and ticketing. Key trends include bundling, open banking integration, and expansion into real-world commerce. Challenges remain around regulation, revenue-sharing, fraud prevention, and consumer awareness. DCB’s future lies in scaling beyond digital content to become a mainstream payment method.

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