Teens are an example of a group that has mobile phones and doesn't have credit cards (or bank debit cards) and there are other examples. There is also a group that has bank cards, secured credit cards (i.e., requires up-front payment), but doesn't have any means of credit/lay-away-payment available to them that is as easy as a credit card.
Plenty of CPA ads relied on users clicking through to make a purchase using their phone (being billed for what they've purchased). Finding a way to make this purchasing scheme more legitimate (explicitly warn the users that, yes, they will have to pay one way or another) would be the next logical step.
Plenty of CPA ads relied on users clicking through to make a purchase using their phone (being billed for what they've purchased). Finding a way to make this purchasing scheme more legitimate (explicitly warn the users that, yes, they will have to pay one way or another) would be the next logical step.