Agricultural Bank of China and Innovative e-payments models

In a recent article, the Wall Street Journal wrote about how although mobile payments are slow to take off in China, telephone or 'fixed-line' payments are actually doing quite well and actually hugely dwarfs mobile payments. When you consider the history of the 5 major banks and their alignment with particular sectors, it's no surprise that the Agricultural Bank of China would be leveraging this kind of business model, but what is interesting is the way that the model completely avoids mobile payments. It's almost as if the bank (industry?) in China is saying 'ok, so no standards on mobile, we'll innovate with what we have.' Which is actually not tremendously different that what we're seeing in other markets where the adoption of a consistent mobile payments standard seems inconsistent at best...