CNN television recently named seven ways of life that have been revolutionized because of mobile phones.They include political activism，education，entertainment，disaster management，agriculture and health.

　　Another area is banking.Reports say half or more of the adults in Gabon，Kenya and Sudan use mobile money.Rene Mendy sells goods in the streets of Dakar，Senegal.But he never had enough money to open a bank account.

　　Now he uses a mobile phone banking service called Orange Money.With his telephone，he can add or take out as little as one dollar.He can make payments and send money to family members who live far away.

　　Orange Money says it serves four million customers in ten countries.The World Bank’s Samia Melhem notes that the French company is facing competition from other mobile banking services.

　　“The mobile banking is a huge trend.And people in the

　　West don’t understand it，because most people have bank

　　accounts and credit cards.It—mobile banking—is the instant possession of cash at a much lower cost.The cost is the cost of sending a message，which is almost nothing compared to what traditional transfer agents，like Western Union，would charge 10 dollars or more for a particular money transfer.”

　　1．Which country or area has the most mobile phone users according to the text?

　　A．The USA.B．European Union.

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