Actually, cell phones are the great equalizer:
 - http://businesstoday.intoday.in/story/innovation-m-pesa/1/20189.html

They don't use m-pesa as a store of value.  But they could use bitcoins as a store of value (though there is a lot of volatility with bitcoin yet).  Either way, fees to the carrier suck out a chunk of each m-pesa transaction.  Bitcoin fees are trivially small in comparison, once you already have converted from fiat.
 
Bitcoins can be used by mobile users, both businesses and customers.