“People back home were surprised to find out we didn’t have the same capabilities here,” Kann said. “In this respect, the U.S. has been an anomaly, with only 3% of bills being paid by a mobile device. We saw a huge business opportunity with mobile bill payments.”

https://techcrunch.com/2021/12/15/papaya-raises-50-million-to-give-you-a-way-to-pay-bills-via-its-mobile-app/