Do you have a cell phone?
If your answer is NO , please go to Question 8.
Is your cell phone a smart phone?
(A smart phone is a mobile phone with features that enable it to easily download and use apps, access the internet and send emails).
If your answer is NO, please go to Question 8.
Do you have an account with a domestic financial institution in your country of residence ?
If you choose NONE , please go to Question 16.