could you expand on this please? I'm from Australia and for us, payment online means credit card pretty much 100% of the time.

"harmonizing direct payments and mobile payment" -- I assume direct payments are direct debit from savings account? What is a "mobile payment".

How are these direct debit payments made? Do you know of any payment processors that process this type of payment?

I'm keen to hear how other parts of the world handle payments. Thanks.