For bill payments over electronic means to work, it is necessary for the payee to have an electronic system. Some parachute advisers identified mobile payments as a low hanging fruit in the early days, even before the telecom reforms had started. But it took years to pluck this fruit because work had to be done on the pre-conditions. Not only was it necessary to get phones into the hands of the consumers, it was necessary to modernize the billing systems of the payee organizations. ConnectNPay, a joint venture between Myanmar’s MCC Group and Singapore’s Leo Tech, has since May provided an e-link between service providers, such as utility companies, and payment partners, such as banks.