Vodafone India has partnered with ICICI Bank to launch the M-Pesa mobile money transfer and payment service in India. It’s estimated that approximately 700 million people in the country have no access to conventional banking.

M-Pesa was first launched in Kenya in 2007, allowing customers to send and receive small amounts of money on mobile phones.

Microsoft has agreed a worldwide patent licensing deal with Hon Hai, the parent company of Taiwanese electronics manufacturer Foxconn. It’ll cover Hon Hai for producing smartphones, tablets and smart TVs that use the Android and Chrome operating systems.

Full details are confidential but Microsoft will receive royalties from Hon Hai.

The UK’s Advertising Standards Authority has upheld a complaint about the T-Mobile ‘Full Monty’ mobile phone tariff.

The www.t-mobile.co.uk website claimed the ‘Full Monty’ tariff offered “unlimited internet” for £36 per month. However, a complaint to the ASA questioned the description of ‘unlimited’ because T-Mobile operated a traffic management policy.

In our 30-minute podcast this week we're talking about the OFT's app investigation, Ofcom's plans for premium rate calls and the growth of Android malware.

We also discuss Microsoft's complaint about Google, an increase in mobile advertising and 'hacking' aircraft navigation using a smartphone.

Mobile security company NQ Mobile has published a new report that says the number of mobile malware threats increased by 163% last year to more than 65,000. Almost all of the new malware discoveries were targeted at the Android platform.

NQ Mobile estimates that 32.8 million Android devices were infected with malware last year, which is an increase of more than 200% since 2011.