WHAT EMERGING MARKETS: An emerging market is a country that has some characteristics of a developed market, but it does not meet standards for an established market. This is what developed markets may be in the future or were in the past. The term “frontier market” is used for developing countries with slower economies than “emerging”. The economies of China and India are considered to be the largest emerging markets. According to The Economist, many people find the term outdated, but no new term has gained traction. Emerging market hedge fund capital with a record new level in the first quarter of 2011 or $ 121 billion. The four largest emerging and developing economies by PPP or adjusted GDP are the BRIC countries (Brazil, Russia, India and China).Digital payment-payment services are conducted via a Digital device which have a key driver or socio-economic development in emerging markets. Factors such as advancements in technology, socio-economic conditions, and the high penetration rate of Digital devices are driving m-payment development in specific emerging markets. As Tom Standage noted in his “Virgin Territory” Economist article (17 Nov. 2011), “that it’s easier to use in Nairobi Kenya’s capital than in New York.” A well-developed Digital-payment ecosystem has evolved in Kenya that, as of February 2012, had 18 million m-payment users. In the Asia Pacific, Digital-payment is expected to grow by 15 percent annually, reaching the US $ 3.8 billion by 2015.Likewise, mobile banking in Africa is expected to reach the US $ 22 billion by 2015.Emerging markets are the new category or group of countries that sell their debt and different types of bonds in financial markets worldwide and are always open to implementing the reforms required by investors. This is done to increase the inflow of foreign investment into their country as this helps to create a more favourable environment for foreign investors, which increases confidence to invest. None of the emerging nations can be declared safe for the potential consequences of instability, which is mainly characterised by the international flow of financial capital and its effects on the weakest links in the system.Countries will have to focus their policies to reduce their vulnerability to financial crises. As one after one, most emerging markets have opted for unilateral solutions because it is not feasible to make changes to the international financial system. Dozens of countries can be regarded as emerging economies, although they develop at their own pace and, in particular, experience setbacks in this process. With many emerging markets showing signs of a strong middle class and growing at a rapid pace, analysts wonder whether the term has lost its meaning. Initially, the term ‘developing countries’ applied to Asian economies with a rapid growth rate and to the countries of Eastern Europe, whose economies started to expand after the fall of the Berlin Wall. As interest grew in market economies, investors began to search for Latin America in search of emerging markets and eventually to countries such as Indonesia, Thailand, China, India and Russia.We understand that emerging markets do not seem a bad option to invest, but it is not easy to go directly to these markets and open stores because the information available on Chinese companies listed in Hong Kong or New York is not mainly is clear. These conditions suggest that it may be the best option for individual investors to go through managed funds. Some of the direct indications that can be derived from these markets are that the emerging markets of developing countries are experiencing strong growth, but with high risks in the financial and monetary sector. The economic indicators are the GDP of the emerging markets, the inflation and foreign direct investment (FD) describe the analysis. About the current status of emerging markets, affected by the global crisis facing the macroeconomic consequences of the crisis, as one of the signs that unemployment is growing every day in the worldwide context. The forecasts for 2009 are not very encouraging because the global crisis is one of the challenges facing the market economies of developing countries.

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