Market insiders believe foreign penetration will further elevate competition in the business as "third party payment" companies, Alibaba's Alipay in particular, which offer convenient and free online payment services, are already eating into the user base of traditional card transactions.
But in poorer Indian states such as Bihar, "teledensity" – the penetration of telephone connections for every 100 people – is as low as 54%, with a stark urban-rural divide.
" He added: "WhatsApp has possibly the highest market penetration of any country on earth in South Africa.
First, the penetration of recent innovations in communications technology has been astonishingly rapid.
Quinby notes that Hong Kong and South Koreawhich has the highest Internet penetration rates in the worldare outliers that puzzle industry experts.
O human race, canst thou grasp the happiness of such a minute of consciousness, this penetration of the soul by its mission, the moment in which all dejection, and every wound—even those caused by one's own fault—is changed into health and strength and clearness—when discord is converted to harmony—the minute in which men seem to recognize the manifestation of the heavenly grace in one man, and feel how this one imparts it to all?
