This document summarizes research on mobile user experiences in emerging markets. It was written by Peter Sandberg and Cary-Anne Olsen, who have worked on apps for developing countries. They share lessons learned, including that bandwidth and data are unpredictable, merchants are ubiquitous payment methods, literacy varies significantly, building trust is important, and mobile behaviors differ from Western markets. The document aims to help agencies, corporations, startups, businesses, entrepreneurs, researchers and designers understand these user experiences.