This is a Q&A interview with Nick Essame, GBS Payment expert that ran last week ahead of this week's Mobile Money Global 2012 being held in Dubai. Special thanks go to Nick, as well as Smarter Commerce Banking Lead for MEA Jo Down and Mobile Payments Global Leader Allison Baller, for collaborating to advance IBM's thought leadership in this emerging space. Watch for more coverage on the mobile payments storyline for IBM in 2013.