Most existing mobile payment services are of specific nature. They are either suitable for micro transactions, or many of them are even more limited in purpose like payment for digital content, or parking services. This small scope, the limited target audience makes it impossible to reach a reasonable business scale, to operate efficiently.

Contrary to existing examples the SEMOPS service is following a general approach, it wishes to be a cash substitute in all different electronic channels, in various types of commercial transactions.

Universality means that the service is designed for both mobile and internet transactions. In another sense universality also means that both domestic and cross border transactions can be performed through the service. Further increases the scope that the independent domestic operations are following the same standards and technology ensuring commonality in wide geographical areas.

To be universal means the service has to be general as well. Under generality we mean that all different transaction types, irrespective of value, function, time, and other features can be paid for through the service.

It has been explained above that the cooperation between different industries – financial, communication – and between numerous players of these industries ensure wide market coverage, many active users. This is also one aspect of universality.

It is very important that for this potentially huge crowd, who could be users of the service the entry barriers should be set very low. For this reason the service is tied to existing accounts, with the payment processors. However it has to be emphasized that only the payers need to have accounts beneficiaries can be unbanked as well.

Overall SEMOPS wishes to be a service that is used by many people and companies, in wide geographical areas, for many different types of transactions, in all potential commercial situations, interactions.