1. A system to conduct financial transactions over a communication network, the system including: a database storing data associated with a mobile communication device user, the data including a user mobile communication device identifier, user mobile airtime account identifier and financial account identifier for a financial account associated with the user, the financial account being with a financial institution; purchase request infrastructure to receive a purchase request from the user via a mobile telephony communication device, the purchase request being for a good or service from a merchant for a purchase amount, the purchase request infrastructure including at least one of a group of systems including an IVR system, a short code module, or a short message service module, the purchase request being made by the user by scrolling through menu options made available to the user through at least one of the IVR systems and the short message service module; an access module with screening logic to identify the purchase request and to provide the user access to the communication network through a mobile service provider to make the purchase request without debiting the financial account of the user or the user's mobile airtime account for the access to the communication network; a user mobile airtime account module to manage airtime availability of the user's mobile telephony communication device via the user mobile airtime account; and a payment service provider system to: provide the merchant with the purchase request; identify the financial account of the user based on the financial account identifier; automatically debit the financial account of the user with the purchase amount; automatically allocate a service fee which is associated with the purchase amount to the mobile service provider and crediting an account of the mobile service provider for the service fee; and automatically credit an account of the merchant with at least a portion of the purchase amount.