Libya is still a traditional cash-driven economy. ATMs are relatively few in number; those that work even fewer. It is the same with electronic points of sale (POS) in stores and businesses. E-payments are the exception, not the rule when Libyans go shopping. But that is changing – and changing fast. So say both Alsanussi Abukhzam, general manager of Moamalat, the public-sector financial services company providing e-services in Libya, and Hani Alsaoudi, sales manager at its private-sector rival, Tadawul. Driving growth for both is competition between them and, more importantly, changes in the regulations. Read more from the Libya Herald.