Remittance is the most common entry point for mobile money systems as it not only addresses significant pain points for customers but also builds trust in the system. However offering only remittance – the star product – is rarely sufficient. Expanding the product suite to offer other services and products is essential. Providers need to look beyond remittances both to drive profitability of mobile money systems and to cater to the huge unmet financial needs of the masses. However, it would be a mistake to assume that clients are essentially homogenous.