Mobile payment is as a great substitute for traditional payment by cash or credit/debit card. But, payment isn’t only made in this way.  Often, when dealing with small amounts of cash or when acceptance networks are not developed enough for traditional credit/debit cards, complementary services such as Alipay and PayPal are being used to fill the gap. MNOs and other organizations are positioning themselves in this specific marketplace. But, if transaction networks function easily on digital platforms, how do you use these wallets in physical stores? How can you bring value to the customer journey with mobile money?