Have you ever wondered about the barriers to opening a mobile wallet on a mobile phone? We often hear about constraints such as lack of mobile phone ownership (especially true for women in some markets) or low digital and financial literacy. There is also the trust factor where many ardent mobile phone users do not trust money in any other form other than physical cash. All these are valid depending on the country and user context. However, our team unearthed another very significant barrier - the lack of a local SIM!