Nokia’s $70 million investment in Obopay earlier this year appears to be paying off. Or, at least, that would be the idea behind Nokia’s introduction today of Nokia Money, a system for sending money to other people by using a mobile phone as well as paying merchants for goods and services.

There’s no mention of the system coming to the United States. But worldwide, Nokia is building a network of Nokia Money agents, whereby consumers can deposit money in or withdraw cash from their accounts. The service will be shown for the first time at Nokia World on Sept. 2 and 3 in Stuttgart, Germany, and Nokia plans to roll it out gradually to selected markets beginning early next year.

“We believe mobile financial services offer a market opportunity with long-term growth potential,” said Mary McDowell, executive vice president and chief development officer at Nokia, in a press release. In many countries, mobile phone ownership significantly exceeds bank account usage, suggesting that many mobile phone users have very limited or no access to basic financial services, she added.

Nokia notes that with more than 4 billion mobile phone users and only 1.6 billion bank accounts, global demand for access to financial services presents a strong opportunity to combine mobile devices with financial services.

Nokia Money is based on Obopay’s mobile payment platform, and Nokia expects the service will be open and interoperable with other payment services.

Apple, AT&T and Google on Friday all replied to the FCC’s letters of inquiry regarding the companies’ roles in the rejection of the Google Voice application by Apple’s App Store, with Apple saying it hasn’t actually rejected the application – it just hasn’t been approved.

As part of a wider directive from the Obama Administration to investigate competition in the wireless industry, the FCC asked the three companies to explain what exactly Google Voice is and why it was rejected from the Apple App Store.

Google described its service as an “enhanced voice and data messaging application that provides number management and related services to users who have one or more existing wireline or mobile phone services.” Additionally, Google acknowledged that users can make calls using the service, which Google said, “utilizes the carrier voice network from the application.”

But it wasn’t use of the carrier’s network to place calls that bothered Apple. The iPhone maker denied allegations that it has rejected the Google Voice app at all. A letter from the company stated that Apple “continues to study it. The application has not been approved because, as submitted for review, it appears to alter the iPhone’s distinctive user experience by replacing the iPhone’s core mobile telephone functionality and Apple user interface with its own user interface, for telephone calls, text messaging, and voicemail.”

AT&T and Apple denied any kind of collusion with AT&T in the review, approval or rejection of the application. AT&T saw a backlash after the application was rejected as many critics of the move accused the carrier of asking Apple to reject the application.

Both companies acknowledged certain contractual obligations designed to protect AT&T’s network health and the iPhone’s integrity. For instance, Apple noted that “there is a provision in Apple’s agreement with AT&T that obligates Apple not to include functionality in any Apple phone that enables a customer to use AT&T’s cellular network service to originate or terminate a VoIP session without obtaining AT&T’s permission.” Further, Apple acknowledged that it did not know if there was a VoIP element to Google Voice.

AT&T did say it would review its policy regarding VoIP applications running on its network, stating: “We plan to take a fresh look at possibly authorizing VoIP capabilities on the iPhone for use on AT&T’s 3G network. AT&T will promptly update the Commission regarding any such change in its policies.”

Meanwhile, VoIP service provider Skype released a statement applauding AT&T’s willingness to “take a fresh look at authorizing VoIP capabilities on the iPhone over AT&T’s 3G network.”Because VoIP services allow cheap voice calls and messaging, most have been relegated to only working over a Wi-Fi connection.