One word OperaMini. That would be +- 11million. As for credit cards forget that people dont need those to buy online.Bank Deposits work. Just like New Zealand and China. I dont own a credit card but i buy alot from the Prophecy and Sybaritic I also got Paypal linked with my FNB. Moral of the story lets stop with the Telkom and Creditcard excuses and start building shit relevant to the Whole of SA.