>>Calculate which mobile subscription on the market would be cheaper based on your mobile activity of previous months

Is there a way to do that? From what you are saying it is like tracking the number of incoming and outgoing calls and keeping track of the bill. Wouldn't that be a privacy issue, and also do the service providers agree to provide such data ?

>>Offer a service like square with the distinction that once a cent is converted to a online cent

I like the idea, but what do you mean by online cent? Square takes the payment by credit card, so it goes directly to merchant account. Isn't it? So where does it get converted to online cent? Correct me if I am wrong! This can be compared better to paypal; that is where the money gets converted to online cent.