With just a phone number, customers of banks including Barclays, HSBC and Lloyds could send money from their phone by 2014.
Microsoft's co-founder dishes on everything from a global condom competition to Bitcoin to his advice for aspiring computer science students.
The service, set up by m-Via, allows migrant workers in the U.S. to set up a mobile bank account and more cheaply send funds back to people in their home country.
In the wake of the earthquake, Bill Gates' charitable foundation backs a $10 million initiative to use mobile banking to speed the aid and recovery effort.
Carriers and financial institutions keep announcing mobile-banking and payment services, but so far, U.S. adoption is being dwarfed by that of developing nations, where it's more useful.
Microsoft's chairman tells CNET about his philanthropic work over the past year, travels to Africa and India, and his entry into the Twitterverse.