Filipino-American Club of the Jersey Shore, Monmouth County, New Jersey, filamorg.com

"Citibank, the world’s largest credit card issuer, could have launched this product anywhere else in the world. But country business manager Mark Jones said Citi Mobile was introduced first in the Philippines because of Filipinos’ penchant to send an average of 12 to 15 text messages per day," says Inquirer.net.  ==>
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Citi says that out of the one billion mobile phone service subscribers worldwide last year, 53 million lived in the Philippines. "Filipinos sent 1.5 trillion messages in 2007, more than half the 2.3 trillion text messages sent globally on the same year," Inquirer.net says. Evidently, Filipinos really like to text.

Citi's Jones tells Comtex that his company's more than one million cardholders are now able to charge payments on gift purchases to their Citi credit cards via their cell phones.

As for security, Citi cardholders will need to have their cell phone on hand in addition to a PIN number in order to make transactions. At present, only three merchants, including McDonald's, accept the Filipino cell phone credit card payments. 

In addition to allowing credit card charges using a text or phone call, the service will also enable Filipino ex-pats to reload their mobile phones from abroad, send phone credits to their family members and deliver flowers or cakes using their cell phones, all the while racking up reward points.

According to data from Javelin Research & Strategy cited in an earlier CreditCards.com look at contactless payments, the number of contactless devices in the United States could expand to 57 million by 2013. That increase would require a surge in popularity for mobile devices enabled with contactless abilities. Otherwise, contactless payment growth will remain flat.  

"No one has ever really introduced something like this, where you can charge something to your credit card just by texting or calling a merchant," Citi Philippines eConsumer Business Director Cecille Fonancier tells Inquirer.net. With mobile banking yet to take off globally, Citi will be keeping tabs on how its groundbreaking cell phone initiative is received. "    (from http://blogs.creditcards.com/2008/07/philippines-credit-card-text.php)