Connect with us:

Mobile for Development Resources

Browse resources by topic (where applicable), region or type, such as case studies, presentations, research and white papers

  • Mobile Money for the Unbanked

    Mobile money profitability: A digital ecosystem to drive healthy margins

    November 20, 2014 | | Global | Research
    pdf
    This paper evaluates the profitability of mobile money by estimating profit margins for three different scenarios, and highlights the internal challenges mobile operators may encounter along the way. Download: Mobile Money Profitability | Summary Introduction...
  • Green Power for Mobile

    Tower Power Africa: Energy Challenges and Opportunities for the Mobile Industry in Africa

    November 20, 2014 | | Sub-Saharan Africa | Research
    pdf
    This report brings an understanding of the current state of mobile and energy infrastructure in Africa and identifies possible alternatives for cost-effectively powering mobile networks in Africa. The report also looks at the changing industry structure as well as regulations and their impact on scaling the adoption of green energy in powering telecoms infrastructure and therefore, improving access to mobile communications across the continent. The geographical scope of this report is limited to...
  • Disaster Response

    GSMA Guidelines on the Protection of Privacy in the Use of Mobile Phone Data for Responding to the Ebola Outbreak

    November 19, 2014 | | Global | Tool
    pdf
    When Call Data Records (CDRs) are used to help in the response to the Ebola outbreak, mobile operators wish to ensure mobile users' privacy is respected and protected and any associated risks are addressed. This document outlines, in broad terms, the privacy standards that mobile operators will apply when subscriber mobile phone data is used, in these exceptional circumstances, for responses to the Ebola outbreak. Download: GSMA Guidelines on protecting privacy in the use of mobile phone data...
  • Mobile Enabled Community Services

    Mobile for Smart Energy Solutions – Côte d’Ivoire Case Study

    November 18, 2014 | | Case Study
    pdf
    This case study, led by the GSMA Mobile for Development Utilities programme in partnership with Orange, explores the opportunity for mobile technology and mobile operators to support smart solutions for improved energy access in Côte d’Ivoire. The study gives insights into some of the main challenges that energy providers face and the deployments of metering technology to respond to these challenges. The study also provides an estimate of the market opportunity for deploying mobile enabling s...
  • Mobile Enabled Community Services

    Mobile for Smart Energy Solutions - Senegal Case Study

    November 18, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    This case study, led by the GSMA Mobile for Development Utilities programme in partnership with Orange, explores the opportunity for mobile technology and mobile operators to support smart solutions for improved energy access in Senegal. The study gives insights into some of the main challenges that energy providers face and the deployments of metering technology to respond to these challenges. The study also provides an estimate of the market opportunity for deploying mobile enabling services a...
  • Mobile Enabled Community Services

    Mobile for Smart Energy Solutions – Botswana Case Study

    November 18, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    This case study, led by the GSMA Mobile for Development Utilities programme in partnership with Orange, explores the opportunity for mobile technology and mobile operators to support smart solutions for improved energy access in Botswana. The study gives insights into some of the main challenges that energy providers face and the deployments of metering technology to respond to these challenges. The study also provides an estimate of the market opportunity for deploying mobile enabling services ...
  • Green Power for Mobile

    Sunlabob Case Study

    November 17, 2014 | | Asia | Case Study
    pdf
    The GSMA Green Power for Mobile team completed a case study for Sunlabob Renewable Energy Myanmar, providing key insights on how to develop a cost-effective, reliable off-grid power solution for the telecom sector in Myanmar. Download here...
  • Connected Women

    Snapshot: Maymay in Myanmar. How and why Ooredoo are targeting Myanmar women

    November 11, 2014 | | South Asia | Case Study
    pdf
    Growing mobile data penetration among low-income populations is a challenge for mobile operators (MNOs) across the developing world. However, the poor access to basic services within this segment presents a clear opportunity for advanced mobile services such as mHealth to fill that gap. In this document we outline how and why Ooredoo, supported by a GSMA mWomen Innovation Fund Grant, is using advanced mobile services to drive 3G uptake among women in Myanmar. Snapshot: Maymay in Myanmar...
  • Mobile Money for the Unbanked

    Code of Conduct for Mobile Money Providers

    November 6, 2014 |
    pdf
    This Code of Conduct identifies principles aimed at promoting mobile money providers' adoption of consistent risk mitigation practices in certain critical areas of their business. For the mobile money sector to continue to drive the growth of the digital finance ecosystem, mobile money providers ("providers") have adopted a Code of Conduct aimed at ensuring that their services are sound, the channel is secure, and the customer is treated fairly. Download: Code of Conduct | FAQs about the Code...
  • Digital Inclusion

    Digital Inclusion Report 2014

    November 4, 2014 | | Global
    pdf
    Mobile phones have become the most popular and widespread form of personal technology on the planet, with 3.6 billion unique mobile subscribers and 7.2 billion connections globally. Mobile has had a profound impact on all aspects of life, from simply allowing people to communicate with each other, to providing access to services such as education, healthcare and financial services. The mobile internet will bring the next wave of growth and impact. Download here...
  • Mobile Enabled Community Services

    Mobile for Smart Solutions: How Mobile can Improve Energy Access in Sub-Saharan Africa

    November 3, 2014 | | SSA | research report
    pdf
    How can mobile improve energy access in Sub-Saharan Africa? This research report explores the opportunity for mobile operators to partner with energy service providers in the deployment of smart solutions to improve energy access in Sub-Saharan Africa and draws recommendations for the industry's actors - energy providers and mobile operators as well as funders - to enter this still nascent space. Download: Mobile for Smart Solutions: How Mobile can Improve Energy Access in Sub-Saharan Africa...
  • mAgri

    Early results from Orange Sènèkèla: data and insights from the baseline (version française disponible)

    November 3, 2014 |
    pdf
    Sènèkèla is an agricultural value added service (Agri VAS) which launched in Mali in July 2013. It offers a helpline, staffed by agricultural experts, covering a range of agricultural topics and market prices. It also includes a USSD channel for market prices launched in February 2014 but had not acquired any customers at the time of the baseline. The helpline had also reached few users at the time of the baseline. Those who had been connected to the service had mostly called only onc...
  • Mobile for Employment

    Duma Works Case Study

    October 31, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    This case study from Duma Works in Kenya looks at how mobile technology transforms the hiring process for micro, small, and medium enterprises (MSMEs), making the experience more efficient and at an affordable cost. Download here...
  • mAgri

    Early results from Airtel Kilimo: data and insights from the baseline

    October 27, 2014 |
    pdf
    Airtel Kilimo is an agricultural value added service (Agri VAS) developed and managed by Airtel Kenya. The service provides customised information about crops, weather and market prices to farmers in Kenya via their mobile phones. At the baseline, Airtel Kilimo had less than 7000 registered users, and more than 60% had not received content from the service. 30% of the total user base was active (had received information during May) and generating revenue for the service. 28% had received more...
  • Mobile for Development

    Blueprint: Ebola Mobile Response

    October 24, 2014 |
    pdf
    The GSMA, through its Mobile for Development mHealth and Disaster Response programmes, has developed the Ebola Mobile Response, comprised of three phases and which is replicable across countries. This document sets out the response in the form of a blueprint for Phase 1. Guidance on the other phases will follow. Operators are encouraged to use this guidance for immediate activation of a response or to supplement work already started. Download: Blueprint: Ebola Mobile Response...
  • mAgri

    mKisan project update: data and insights from the midline

    October 23, 2014 | | Case Study
    pdf
    mKisan is an agricultural value added service (Agri-VAS) which had been live in India since December 2012. The service offers push content in the form of SMS and access to two pull channels, an IVR menu and a helpline, on purchase of a subscription package which costs 1INR per day, purchasable in packs of 10, 20 or 30 days. In the year since the baseline mKisan’s user base has more than doubled in size. However, its most valued customer base, the IVR users, has not seen the same level of growt...
  • Mobile Money for the Unbanked

    Extending reach: Mobile money in rural areas

    October 16, 2014 | | Global | Research
    pdf
    This publication provides a snapshot of service providers that have crafted tailored strategies to drive uptake of their services in rural areas and tackle uniquely rural challenges.This is the fourth publication in a series of deeper insights into selected topics based on the findings of MMU’s 2013 State of the Industry Report on Mobile Financial Services. Download here...
  • Mobile Money for the Unbanked

    Beyond vouchers: Meeting growing demand for off-net P2P transfers

    October 9, 2014 | | Global | Research
    pdf
    This publication examines the role of vouchers in mature mobile money markets and points to the challenges providers will need to address in order to create better long- term value for their customers and meet demand for P2P transactions across schemes. This is the third publication in a series of deeper insights into selected topics based on the findings of MMU’s 2013 State of the Industry Report on Mobile Financial Services. Download here...
  • Green Power for Mobile

    Assessing the potential for Green Power for Mobile: Telenor Myanmar

    October 9, 2014 | | South Asia | Case Study
    pdf
    Green Power for Mobile (GPM) completed a joint case study with Telenor Myanmar to investigate the possibility of green power deployments. During this four-week engagement GPM analysed multiple business models for various base station loads and compared it with the current power model in place. Download here...
  • Green Power for Mobile

    Best Practice Guide for Green Energy Provision in Telecoms: Myanmar

    October 3, 2014 | | South Asia | Tool, Research
    pdf
    This document will serve as a best-practice guide for MNOs, TowerCos and ESCOs to learn how to go through the different stages of selecting, procuring and powering green sites in Myanmar. GPM also has published a complete Myanmar Market Insight report to describe the potential of a green power for telecom sector in Myanmar. Download here...
  • Mobile Money for the Unbanked

    Setting up shop: Strategies for building effective merchant payment networks

    October 2, 2014 | | Global | Research
    pdf
    This publication addresses barriers that prevent merchant payments from scaling using mobile money, and highlights some of the key tactics that mobile money providers are using to increase adoption. This is the second publication in a series of deeper insights into selected topics based on the findings of MMU’s 2013 State of the Industry Report on Mobile Financial Services. Download here...
  • Mobile Money for the Unbanked

    GSMA MMU Infographic: The Kenyan Journey to Digital Financial Inclusion

    September 29, 2014 | | Sub-Saharan Africa | Infographic
    pdf
    This infographic highlights The Kenyan Journey to Digital Financial Inclusion, covering Outreach, Policy and Market Development activities in Kenya from 2005 to mid-2014. Download here...
  • Digital Inclusion

    Government intervention in the South African broadband market

    September 25, 2014 | | Sub-Saharan Africa
    pdf
    The South African Government has set ambitious targets for broadband availability. The Government in South Africa recognises the importance of the ICT sector and broadband on the wider economy. As part of its National Broadband Plan (South Africa Connect), the Government has set ambitious targets for broadband availability. Download here...
  • Digital Inclusion

    Assessing the case for Single Wholesale Networks in mobile communications

    September 17, 2014 | | Global
    pdf
    Policymakers in a number of countries are proposing to establish a single wholesale network (SWN) instead of relying upon competing mobile networks to deliver 4G mobile broadband services in their country. Download here...
  • Digital Inclusion

    Surtaxes on International Incoming Traffic in Africa

    September 16, 2014 | | Middle East and North Africa
    pdf
    The report studies the effects of the Surtax on International Incoming Traffic (SIIT) in six countries in Sub-Saharan Africa and on regional integration. The report findings are in line with a recent similar publication from the Organisation for Economic Co-operation and Development (OECD) that shows that imposing higher charges for the termination of international inbound traffic suppresses demand. In accord with the GSMA’s report, the OECD concludes that those governments that impose higher ...
  • Digital Inclusion

    Sub-Saharan Africa – Universal Service Fund study

    September 15, 2014 | | Sub-Saharan Africa
    pdf
    The Sub-Saharan Africa Universal Service Fund (USF) study finds that USFs in the region do not appear to be the most appropriate mechanism for providing universal access and service, and to furthering social and economic improvement in a proactive, cost-effective and transparent manner. Generally, the report found significant deficiencies in fund structure, management and operation throughout the SSA region. It concludes that consideration must be given to disbanding inactive funds and return th...
  • Mobile Money for the Unbanked

    Reaching half of the market: Women and mobile money

    September 10, 2014 | | Global | Research
    pdf
    This publication addresses barriers that prevent women from accessing and using mobile money, and highlights some of the key tactics that mobile money providers can use to increase penetration amongst women. This is the first publication in a series of deeper insights into selected topics based on the findings of MMU’s 2013 State of the Industry Report on Mobile Financial Services. Download here...
  • mHealth

    South Africa: mHealth Community Health Worker Research

    September 3, 2014 |
    ppt_icon
    This document presents the findings of Community Healthcare Worker research undertaken in South Africa, with the aim of providing insights for the development and launch of mHealth services. Read the full report ...
  • Connected Women

    Snapshot: Consumer Insights for Adolescent Girls – the case of BRAC in Bangladesh

    August 29, 2014 | | South Asia | Case Study
    pdf
    Rural adolescent girls are an untapped market for mobile operators in countries like Bangladesh. However, creating a mobile service for them is challenging, as they are often a market segment that is difficult to reach due to existing social norms, and because there is limited existing data on this market segment. This case study looks at how Robi Axiata conducted in-depth consumer insights research with rural adolescent girls and other stakeholders in order to create a mobile education service ...
  • Connected Women

    Snapshot: Grameen Foundation’s “Mobile Midwife” Service in Nigeria - How to generate and use consumer insights to localise mHealth content

    August 28, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    Once a life-enhancing value-added service has reached scale in a market, the next step is to replicate it in other geographies. Grameen Foundation did this when they took their maternal and child health information service from Ghana to Nigeria. This snapshot outlines how they localised the content and tailored the service to a new target audience. It provides useful guidelines and recommendations for organisations wishing to replicate information services in new markets. Download here...
  • Green Power for Mobile

    Green Power for Mobile Technical paper

    August 26, 2014 | | Global | White Paper
    pdf
    The Green Power for Mobile technical paper “Green Power Design Approach and Feasibility Analysis”  focuses on identifying the right design approach for analysing the feasibility of green power as an alternative to diesel based power solution for powering off-grid telecom base station sites. In this paper we look at various design parameters and analyse scenarios related to green power feasbility. Download here...
  • Green Power for Mobile

    Green Power for Mobile Bi-Annual report

    August 20, 2014 | | Global | Presentation, Research
    pdf
    This is the tenth Bi-annual Report published by the Green Power for Mobile programme which presents the latest industry and programme developments, notably in Myanmar where the team has begun country-focussed activities. Download here...
  • mAgri

    Guidelines for Agricultural Call Centres

    August 5, 2014 | | Global | Tool
    pdf
    This document is designed to guide the reader to understand the importance of agricultural information and advisory delivery via call centres. It then lays out a step by step process to follow in establishing a call centre. It is highly recommended that readers new to Agri VAS will as a start, review the Agri VAS Market Entry Toolkit and the Guidelines for Creating Agri VAS Content developed by the GSMA mAgri programme. Download here...
  • Mobile Money for the Unbanked

    Smartphones & Mobile Money: The Next Generation of Digital Financial Inclusion

    July 10, 2014 | | Global | Research, White Paper
    pdf
    Global smartphone adoption is set to ramp up massively in the coming years, particularly in developing markets. As more unbanked consumers gain access to smartphones and mobile internet services, new opportunities for mobile financial services models will arise. This White Paper discusses the factors at play and their significance to the evolution of mobile money. Download here...
  • mHealth

    South Africa: End Consumer Primary Research

    July 2, 2014 | | Sub-Saharan Africa | Research
    ppt_icon
    This document presents the findings of end consumer primary research undertaken in South Africa, with the aim of providing insights for the development and launch of mHealth services. Read the full report ...
  • Connected Women

    mWomen Innovation Fund Grants

    June 24, 2014 | | Global | Presentation
    pdf
    The mWomen programme has awarded 11 Innovation Grants to operators and NGOs. The grants provide seed funding for the design and launch of economically sustainable products and services which increase women's access to and use of mobile phones and value-added services. This document summarises the 11 different services currently being developed, the commercial and social impact we expect to see and the insights we hope to be able to share with the wider mobile industry. Download here...
  • mAgri

    Women in Agriculture: a Toolkit for Mobile Services Practitioners

    June 18, 2014 | | Global | Tool
    pdf
    The ‘Women in Agriculture: a Toolkit for Mobile Services Practitioners', created in partnership with GSMA mWomen, is a resource for MNOs and members of the wider mobile ecosystem who are thinking to develop mobile agricultural services for rural women. The toolkit provides a step-by-step guide across each stage of the product development process, along with successful examples and recommendations. Download here...
  • Connected Women

    Women in Agriculture: a Toolkit for Mobile Services Practitioners

    June 18, 2014 | | Global | Tool
    pdf
    The ‘Women in Agriculture: a Toolkit for Mobile Services Practitioners', created in partnership with GSMA mAgri, is a resource for MNOs and members of the wider mobile ecosystem who are thinking to develop mobile agricultural services for rural women. The toolkit provides a step-by-step guide across each stage of the product development process, along with successful examples and recommendations. Download here...
  • Green Power for Mobile

    IBS Tower – Indonesia - Feasibility Study

    June 17, 2014 | | East Asia and Pacific | Case Study
    pdf
    IBS was founded in 2006 as an in-building service provider and rapidly transformed itself into a prominent telecom tower company and operator of shared network infrastructure in Indonesia. IBST’s assets are strategically deployed across Indonesia where operators need it most, with a focus across Sumatera and Java islands and is today one of the “big four” public listed tower companies in Indonesia. IBST serves all the telecom operators on their network, and has tenancy ratio of about 1.5 b...
  • Connected Women

    Partnerships Insights Paper

    June 13, 2014 | | Global | Research
    pdf
    For operators to take advantage of the revenue potential found in underserved communities in emerging markets, the formation of efficient and effective partnerships between operators and social sector organizations that have long-standing networks and expertise in serving rural and marginalized populations is crucial. This Insights paper details best practices in pursuing, negotiating, designing and implementing social sector/operator partnerships to increase the social sector's understanding of...
  • Green Power for Mobile

    Sizing the Opportunity: Green Telecoms in Myanmar – Market Analysis

    June 13, 2014 | | East Asia and Pacific | White Paper
    pdf
    This Market Analysis for Myanmar aims at providing market insights and highlight opportunities for telecom operators in the green power sector. The report analyses the state of the telecom market and how networks are currently being powered to provide an understanding of the potential of alternative energy solutions. The report looks at the industry structure, the regulatory environment and the current state of power within the telecom infrastructure, influencing the potential for green power so...
  • Green Power for Mobile

    GPM Online Vendor Directory

    June 12, 2014 | | Global | Tool
    link_icon38Website
    The GPM Vendor Directory is an online global landscape of green energy vendors and service providers. This directory supports mobile network operators, and the wider mobile industry, in adopting green energy alternatives to power mobile base stations and networks. This Vendor Directory allows you to: View company profiles for vendors and service providers offering solutions to mobile network operators; Filter profiles by product, business type and region; Add your company to the listing or updat...
  • Mobile Money for the Unbanked

    Self Assessment Risk Management Toolkit – Summary

    June 9, 2014 | | Global | Presentation
    pdf
    This presentation outlines the scope, content and reporting functionality of the Mobile Money Risk Toolkit published June 2014. Download here...
  • Mobile Money for the Unbanked

    Self Assessment Risk Management - Executive Overview

    June 9, 2014 | | Global | Presentation
    pdf
    This presentation is aimed to provide senior managers and C-levels an overview of risk management in mobile money as well as an introduction to the Mobile Money Risk Toolkit. Download here...
  • mAgri

    Mobile user analytics: a case study in mobile agriculture

    May 30, 2014 | | Global | Tool
    link_icon38Website
    Mobile agriculture services are generating valuable data that could be used to identify areas for service improvement. GSMA mAgri and Mobile for Development Impact teams have used the data from a live deployment to demonstrate the potential that data analytics have for uncovering the service challenges to uptake. Analysis has used a customer journey framework to reveal the insights about the bottlenecks of service design, marketing and value proposition. Results of the exercise as well as t...
  • mAgri

    M4D Impact Webinar: Getting the most out of your data – mAgri Case Study

    May 28, 2014 | | Global | Presentation
    pdf
    These slides were presented at the GSMA Mobile for Development Impact webinar in May 2014. This webinar discusses the use of user analytics in mobile services intended for social impact creation in developing markets. First, highlighting a case study using real data from an anonymised mobile service offering information to farmers, the presentation then covers thoughts for the wider space of mobile services in terms of the prospects of better utilising user analytics and why it is of value to t...
  • mHealth

    GSMA Country Feasibility Report: Nigeria 2014

    May 27, 2014 | | Sub-Saharan Africa | Presentation, Research
    link_icon38Website
    This document provides an overview of the feasibility of mHealth in Nigeria, as well as an overview of mobile and health in Nigeria. View report...
  • mHealth

    GSMA Country Feasibility Report: Malawi 2014

    May 19, 2014 | | Sub-Saharan Africa | Presentation, Research
    link_icon38Website
    This document provides an overview of the feasibility of mHealth in Malawi, as well as an overview of mobile and health in Malawi. View report...
  • Mobile Enabled Community Services

    Predicting the Future of Mobile-Enabled Community Services - MECS Annual Report

    May 14, 2014 | | Global | White Paper
    pdf
    Our 2013 Annual Report shares key insights and themes drawing upon a year of work, research and convening. This year’s report focusses on the wealth of information and insights about the growth of the sector that was derived through the launch of the MECS Innovation Grant Fund. While the 13 grants awarded will result in learnings we will be able to present next year, the insights derived from analysing the pipeline of Concept Notes and Applications provide us with a look into the future of mob...
  • Mobile for Employment

    Scaling Mobile Employment Services: A Stakeholder Perspective - Increasing opportunities for youth through mobile

    May 13, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    The Mobile for Employment programme held a workshop on the topic of ‘Youth, Mobile and  Employment’ in Kigali, Rwanda on 28th January 2014. This report highlights the key findings of the workshop along with a review of the employment market in Rwanda. It discusses the commercial and operational considerations for all stakeholders and introduces possible business models along with recommendations to accelerate MNO market entry and participation in this sector in a meaningful and value-addi...
  • mHealth

    GSMA Country Feasibility Report: South Africa 2014

    May 6, 2014 | | Sub-Saharan Africa | Presentation, Research
    link_icon38Website
    This document provides an overview of the feasibility of mHealth in South Africa, as well as an overview of mobile and health in South Africa. View report ...
  • Mobile Money for the Unbanked

    Mobile money in Côte d’Ivoire: A turnaround story

    May 2, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    The story of mobile money in Côte d’Ivoire demonstrates that mobile money can be successful even in markets where it struggled initially, and that it is possible for a slow- growing mobile money service to become a sprinter. Download here...
  • Green Power for Mobile

    Best Practices for Energy Provision in Telecoms: Francophone Africa

    April 22, 2014 | | Sub-Saharan Africa | Tool, Research
    pdf
    This document focuses on the best practices for energy provision in the mobile industry and looks at various alternatives available for sustainable energy provision in a commercially viable approach. The scope of the document limits to the ‘approach’ rather than the technical solutions or technology details. Download here...
  • Connected Women

    Snapshot: MAMA in Bangladesh - Including men in mobile services for women

    April 17, 2014 | | South Asia | Case Study
    pdf
    In cultures where women's empowerment is a complex, challenging subject on both social and cultural levels, men can be the champions or detractors to any approach. MAMA tackles this issue by integrating men and other household members within their offerings. The Aponjon program (the local brand of MAMA in Bangladesh) aims to reach three million pregnant women, new mothers and their families within three years, achieving sustained improvements in knowledge, healthy behaviors and health outcomes. ...
  • Mobile Money for the Unbanked

    Enabling Mobile Money Policies in the Democratic Republic Of Congo

    April 10, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    This case provides important lessons for regulators including the importance of: leadership and pragmatism in making the policy-making process effective; engaging other government agencies and all relevant private sector players in the design phase of a regulation can have a very positive impact on policy outcomes; and regulators can greatly benefit from an iterative process based on what private sector providers learn on the ground post-launch. Download here...
  • Mobile Enabled Community Services

    The Synergies Between Mobile, Energy and Water Access: Africa

    April 3, 2014 | | Sub-Saharan Africa, Middle East and North Africa | Research
    pdf
    This report presents in more detail current initiatives, business models and opportunities the mobile sector can play in Africa to better address development challenges around energy and water access. Download here...
  • Mobile Enabled Community Services

    The Synergies Between Mobile, Energy and Water Access: Asia

    April 3, 2014 | | South Asia, East Asia and Pacific | Research
    pdf
    This report presents in more detail current initiatives, business models and opportunities the mobile sector can play in Asia to better address development challenges around energy and water access. Download here...
  • mAgri

    Tigo Baseline Report Executive Summary

    March 31, 2014 | | Sub-Saharan Africa | Research
    pdf
    Tigo Kilimo is a value-added agricultural information service (Agri VAS) for famers in Tanzania. Mobile network operator, Tigo, developed and rolled out the service in partnership with TechnoServe, a non-profit with focus on helping smallholder farmers to access profitable value chains. Tigo also works with the Tanzanian Metrological Agency (TMA) and NURU, a provider of market price information. Tigo Kilimo has been partly funded and supported by the GSMA mFarmer initiative. Download here ...
  • Mobile Money for the Unbanked

    GSMA MMU Infographic: Mobile Money in Tanzania

    March 20, 2014 | | Sub-Saharan Africa | Infographic
    pdf
    This infographic highlights Mobile Money in Tanzania. Download here...
  • Mobile Money for the Unbanked

    Enabling Mobile Money Policies in Tanzania

    March 20, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    Tanzania is a mobile money and digital financial inclusion success story. This case study showcases this journey that has produced a number of lessons for policymaking and regulatory authorities, as well as for the industry. Download here...
  • Mobile Money for the Unbanked

    Results from State of the Industry 2013: Mobile Financial Services for the Unbanked - Presentation Slides

    March 11, 2014 | | Global | Presentation
    pdf
    On February 24th at Mobile World Congress, the Mobile Money for the Unbanked team presented an overview of the results of the 2013 State of the Industry Report. View and download the presentation slides here. Download here...
  • Green Power for Mobile

    Green Site Selection Best Practice: Pakistan and Afghanistan

    March 7, 2014 | | South Asia | Tool, Research
    pdf
    This document provides guidelines for MNOs in Afghanistan and Pakistan to determine if a base station site is a suitable candidate to convert into a green site and provide a best practice process for MNOs. Download here...
  • Mobile Money for the Unbanked

    A2A Interoperability: Making Mobile Money Schemes Interoperate

    March 6, 2014 | | Global | Research
    pdf
    Interoperability in the context of mobile money can mean many different things, but one of the most often cited use cases is for Mobile Money Operators (MMOs) to provide the ability for customers to undertake money transfers between two accounts at different mobile money schemes, alongside the ability to transfer money between accounts at mobile money schemes and accounts at banks. This paper is focused on this functionality, referred to as account-to-account (A2A) interoperability. Download ...
  • Disaster Response

    Reconnecting Refugees through Mobile: Refugees United’s Platform and Partnerships

    February 26, 2014 | | Global | Case Study
    pdf
    Mobile Network Operators (MNOs) can contribute to reconnecting separated families across borders and conflict zones and measurably improve the lives of thousands of families by leveraging their scale and access to millions of subscribers. Through partnering with MNO’s, Refugees United, the world’s largest global family tracing platform for refugees, is harnessing the unique potential of mobile in facilitating family reconnection. This case study identifies the need for such platforms and exa...
  • Disaster Response

    Mobile Network Restoration & Humanitarian Response: The Vodafone Foundation Instant Network Programme

    February 25, 2014 | | Global | Case Study
    pdf
    This case study examines The Vodafone Foundation and its Instant Network programme. The programme provides humanitarian relief through the deployment of a portable cell restoration solution to enable communications in disaster areas to support responders and populations affected by crisis. Download here...
  • Mobile Money for the Unbanked

    Promising Starts in Mobile Microinsurance: Tigo Senegal & Telenor Pakistan

    February 25, 2014 | | South Asia, Sub-Saharan Africa | Case Study
    pdf
    The global microinsurance market is estimated at 4 billion individuals, but the cost of selling and administering low-value policies makes microinsurance uneconomical for many traditional providers. Mobile phones have the potential to radically reduce the costs associated with enrolling and collecting payments from low-income customers who have previously been excluded from the insurance market. Download here...
  • Mobile Money for the Unbanked

    State of the Industry 2013: Mobile Financial Services for the Unbanked

    February 24, 2014 | | Global | Research, White Paper
    pdf
    MMU has been tracking the progress of the mobile money industry for the past few years. Each year, MMU’s State of the Industry report contains key findings and insights on the growth of the sector. This year, for the first time, the scope of the report has been extended to include not only mobile money, but also mobile insurance, mobile credit and mobile savings. Download: English | Spanish | French...
  • Connected Women

    Snapshot: Etisalat in Togo and Benin

    February 24, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    This document illustrates how mobile operators aim to reach rural women in emerging markets through innovative business models. This snapshot illustrates one such model, the "Weena" program, developed by Etisalat Group and launched by its Moov affiliates in November 2013 in Benin and Togo. Download executive summary Download full report Téléchargez la version française...
  • Connected Women

    Insights: Tigo in Tanzania - Qualitative Research as a Way to Gain In-depth Consumer Understanding of Base of the Pyramid Women

    February 23, 2014 | | Sub-Saharan Africa | Case Study
    pdf
    This insights paper draws on Tigo Tanzania’s experience in using qualitative research to gain a deep understanding of the resource-poor women’s segment.  It offers operators practical guidance on how to analyse existing customer data, and how to complement this with alternative forms of research.  It also describes how operators can use consumer insights to create “personas” which can help to ensure that the mWomen offerings clearly meet the wants and needs of their target market. D...
  • Connected Women

    Case study: Dialog's 5 Star Partner Programme - Integrating women into the rural retail chain

    February 21, 2014 | | South Asia | Case Study
    pdf
    Creating a rural network of trained female retailers can be an effective way for mobile operators to reach new rural women customers. This case study of Dialog's "5 Star Partner" programme in Sri Lanka reveals the social and commercial benefits and offers practical insights for operators seeking to replicate a similar approach in their own markets. Download executive summary Download full report ...
  • Connected Women

    Snapshot: Turkcell in Turkey - Engaging women micro-entrepreneurs

    February 19, 2014 | | Case Study
    pdf
    Women entrepreneurs are economically active and technologically savvy. Turkcell is tapping into this segment by helping women to start and grow their businesses. The initiative helps promote the participation of women in the economy and contributes to their empowerment by helping them start or expand businesses through a platform designed for female entrepreneurs. The programme aims to reach 100,000 women by 2016. Download here...
  • Mobile for Development

    Digital Entrepreneurship in Kenya 2014

    February 18, 2014 | | Sub-Saharan Africa | Research | Research
    link_icon38Website
    This report focuses new attention on Kenya’s emerging digital entrepreneurship ecosystem, with a unique perspective on entrepreneurs developing mobile enabled services. In this report, we highlight the challenges startups are currently facing and the opportunities for collaboration among stakeholders, in particular opportunities for engagement with the mobile industry. Our findings culminate several months of research and analysis involving over 300 interviews with startups and other stakehold...
  • Digital Inclusion

    Mobile taxes and fees – A toolkit of principles and evidence

    February 14, 2014 | | Global
    pdf
    This report considers the consistency of mobile taxation policies with established best practice principles by examining the mobile taxation burden and its impact across 19 countries. Across these 19 markets, over USD 3 in every USD 10 of mobile revenue was transferred to the government in the form of taxes, regulatory fees or other charges. These excessive levels of taxes and fees are not consistent with established taxation principles and is hindering mobile growth and its socio-economic benef...
  • Green Power for Mobile

    GPM Bi-annual Report - January 2014

    February 3, 2014 | | Global | Research, Presentation
    pdf
    Download here...
  • mAgri

    mKisan Baseline Report Executive Summary: A snapshot of the mKisan service in March 2013

    January 30, 2014 | | South Asia | Research
    pdf
    mKisan is a mobile value-added agricultural service (Agri VAS) that provides farmers in India with practical, up-to-date advice and information on crop agronomy, animal health, weather forecasts and market prices for major crops through SMS and an interactive voice response (IVR) service. mKisan is operated by the mobile service provider Handygo with support from CABI and ILRI who provide agronomy and livestock content. Handygo has received funding from the GSMA Mobile for Development Foundation...
  • Disaster Response

    Preparing for Disaster: An Analysis of Turkcell’s Disaster Management System

    January 22, 2014 | | Europe and Central Asia | Case Study, Research
    pdf
    This case study outlines Turkcell’s motivation for developing comprehensive disaster management plans, and examines the internal policies and systems in place to deal with disasters and the various internal and external stakeholders involved in crisis management. The case study concludes with a report on how Turkcell successfully managed and mitigated against further disruption in the aftermath of the Van earthquake in 2011. Download here...
  • Mobile Enabled Community Services

    The opportunity for mobile operators to improve access to energy in Latin America

    December 17, 2013 | | Latin America and the Caribbean | Case Study
    pdf
    This report provides a case study of these opportunities, based on the network of Telefónica Movistar Nicaragua, a subsidiary of the Spanish-based global operator Telefónica. The report finds that there is a potential business case for mobile operators to support access to energy and phone charging services in off-grid communities. Download: English | Spanish...
  • Green Power for Mobile

    Best Procurement and Maintenance Practice: Indonesia

    December 12, 2013 | | East Asia and Pacific | White Paper
    pdf
    This document is a best practice guide for the Indonesian market, providing guidance on choosing and procuring green solutions as well as on operations and maintenance of green sites. The document also presents multiple CAPEX and OPEX business models with some explanations on the process flows and snap shots of the business cases for readers to understand the basic concept of green procurement. Download here...
  • mAgri

    mAgri Webinar: Present & future of mobile technology for Agricultural Value Added Services (Agri VAS)

    December 6, 2013 | | Global | Presentation
    pdf
    These slides were presented during an mAgri team webinar on 5th December 2013 “Present & future of mobile technology for Agricultural Value Added Services (Agri VAS)”. You can also view a recording of the webinar. Download here The webinar covered: Insights from Agri VAS service providers who have created and deployed mobile information and advisory services for farmers. What technology are they using, what is working well, and what could be done better? Best practice around ...
  • mAgri

    Agri VAS Functional Requirements & Best Practice: SMS & IVR

    December 5, 2013 | | Global
    pdf
    The purpose of this document is to outline the different types of services that can be delivered by an Agri VAS provider using SMS and IVR channels. This will aid Agri VAS providers in identifying the types of services to include and how to plan for different scenarios that arise. The document also contains best practices for both SMS and IVR services. Download here...
  • Mobile Enabled Community Services

    Sizing the Opportunity of Mobile to Support Energy and Water Access

    December 4, 2013 | | Global | White Paper
    pdf
    This document, which is the first in a series that will be published in the coming months, outlines the size of the addressable markets for mobile-enabled energy and water services by regions as well as the mobile channels that support access to improved infrastructure services. Download here...
  • Green Power for Mobile

    Best Practice Operations Guide – West Africa

    November 27, 2013 | | Sub-Saharan Africa | Research, White Paper
    pdf
    This document focuses on best operation practices, to assist the MNOs/Tower Companies and ESCOs in adopting the most adequate approach to operations and maintenance of telecom power infrastructure in order to improve service availability and OPEX efficiency in West Africa. Download here...
  • Mobile Enabled Community Services

    Mobile Enabled Community Services - Vendor Directory - November 2013

    November 21, 2013 | | Global | Research
    pdf
    This is the second of two vendor catalogues published by MECS in 2013. This catalogue looks at the energy and water access sector. Download here...
  • Mobile Money for the Unbanked

    Mobile Money: the Opportunity for India - MMAI & GSMA Submission to the Reserve Bank of India (RBI)

    November 14, 2013 | | South Asia | White Paper
    pdf
    The Mobile Money Association of India (MMAI) and the GSMA are submitting this position paper to the Reserve Bank of India (RBI) Committee on Comprehensive Financial Services for Small Businesses and Low-Income Households to provide evidence of the benefits and the business case for mobile money for MNOs. Download here...
  • Green Power for Mobile

    Greening Telecoms: Pakistan and Afghanistan Market Analysis

    November 1, 2013 | | South Asia | White Paper
    pdf
    This document aims at identifying and examining the potential for green power deployments in the telecom industry of Pakistan and Afghanistan. This report analyses Afghanistan and Pakistan’s renewable energy resources, their green technology regulations, the current state of green deployments in the sector and the size of the market in both countries. Download here...
  • Mobile Money for the Unbanked

    Mobile Money for the Unbanked Case Studies: Insights, best practices and lessons from across the globe

    October 31, 2013 | | Global | Case Study
    pdf
    A compendium of case studies from the Mobile Money for the Unbanked Programme, discussing in detail many of the success stories and innovations from the mobile money industry. Download here...
  • Green Power for Mobile

    GPM Vendor Landscape – Afghanistan & Pakistan - October 2013

    October 25, 2013 | | South Asia | White Paper
    pdf
    The purpose of this Afghanistan and Pakistan Vendor Landscape is to support mobile operators in their green power initiatives by providing them with a directory of green power vendors/service providers operating or interested in operating in the region. The document also provides a snapshot of the current market including the status of green power adoption in these two countries. Download here...
  • Mobile Money for the Unbanked

    KPIs in Mobile Money: A Reference Guide

    October 21, 2013 | | Global | Presentation
    pdf
    This presentation aims to address this question through defining a KPI, identifying pitfalls in creating KPIs and illustrating some examples of effective KPIs for mobile money teams. While these examples are not exhaustive, they illustrate the fundamental elements of effective KPIs. Download here...
  • Mobile Money for the Unbanked

    Implementing mobile money interoperability in Indonesia

    October 14, 2013 | | East Asia and Pacific | Case Study
    pdf
    In this case study, MMU provides a snapshot of the implementation of mobile money interoperability in Indonesia--specifically, how it came to be that three independent mobile operators worked together to make real-time transfers across their mobile money deployments a reality. Download here...
  • mAgri

    Mobile Market Information for Agri VAS Operators: A Quick Start Guide

    September 27, 2013 | | Global | Research, Tool
    pdf
    The purpose of this document is to guide Agri VAS (Agriculture Value Added Service) operators in designing and developing a Market Information System (MIS) component for their Agri VAS.  Although the document will touch on the basics and background of generic MIS, it is encouraged that readers have a basic understanding of how conventional market information systems in developing countries work.  The focus will be on how to apply those concepts to mobile service delivery channels. Download ...
  • mHealth

    South Africa mHealth Feasibility Report

    September 19, 2013 | | Sub-Saharan Africa | Research | Research
    pdf
    This document aims to provide an overview of the feasibility of mHealth in South Africa from the mobile operator perspective, by describing at a high level: The opportunity for mHealth; Current mHealth services; Implementation landscape; Policy / regulatory environment; and Options for scaling. Download here...
  • mHealth

    South Africa mHealth Landscape

    August 28, 2013 | | Sub-Saharan Africa | Research
    pdf
    This document provides an in-depth landscaping of mHealth in South Africa. Download here...
  • Mobile for Employment

    Mobile Services for Youth Employment

    July 26, 2013 | | Global | Case Study, Research
    pdf
    From GSMA and Alcatel-Lucent. This global study was undertaken to understand the challenges and needs of youth overcoming employment obstacles. It addresses how mobile services could play a key role in combating the problems and providing solutions. Download here...
  • Disaster Response

    Disaster Preparedness & Response Workshop: Focus on Earthquakes

    July 26, 2013 | | East Asia and Pacific | Presentation, Research
    pdf
    GSMA Disaster Response Programme convened Filipino and other regional MNOs with stakeholders from Government, humanitarian and science agencies in a two-day workshop to discuss preparing for earthquakes. This summary provides a glimpse into the high level key messages from presenters. Download here ...
  • Mobile Money for the Unbanked

    Getting the Most Out of Your Data - Segmenting Your Mobile Money Customer Base to Drive Usage

    July 25, 2013 | | Global | Presentation
    pdf
    This presentation will provide new tools for operators to drive regular customer usage. Download here...
  • Disaster Response

    Preparing for and Responding to Earthquakes: Lessons, Questions & Strategies for the Mobile Industry - Presentations

    July 25, 2013 | | East Asia and Pacific | Presentation
    pdf
    Please find the presentations for the recent Disaster Response event "Preparing for and Responding to Earthquakes: Lessons, Questions & Strategies for the Mobile Industry" in the Philippines. CNDR - Effective Public-Private Partnership Digicel - Lessons from the field - Digicel Haiti EMI - Earthquake Risk Considerations of Mobile Communication Systems Ericsson Response - Collaboration and partnership in humanitarian action Ericsson Response - Lessons from the field - Haiti 2010 ...
  • Mobile Money for the Unbanked

    GSMA MMU Infographic: The Rise of eZ Cash

    July 18, 2013 | | South Asia | Infographic
    pdf
    This infographic highlights The Rise of eZ Cash in Sri Lanka from 2005 to 2013. Download here...
  • Mobile Money for the Unbanked

    Enabling Mobile Money Policies in Sri Lanka: The Rise of eZ Cash

    July 18, 2013 | | South Asia | Case Study
    pdf
    For the Central Bank of Sri Lanka (CBSL), 2012 was the culmination of a 5-year effort to establish an enabling regulatory framework for mobile money that opened the market to both bank and non-bank providers and extended services to Sri Lanka’s unbanked population. Marking this shift was the launch of eZ Cash, a new mobile money service that has signed up over 1 million customers in just one year. eZ Cash is operated by Dialog Axiata PLC (Dialog), a mobile network operator (MNO) that was award...
  • Green Power for Mobile

    Best Practice Procurement Guide – Bangladesh

    July 16, 2013 | | South Asia | White Paper
    pdf
    This Best Practice Procurement Guide offers guidance for Bangladesh’s telecom industry to develop its renewable energy solutions and describes the current best practices in Bangladesh, based on GPM’s latest research and analysis. Download here...
  • Green Power for Mobile

    GPM Bi-annual Report - July 2013

    July 16, 2013 | | Global | Presentation, Research
    pdf
    Download here...
  • Mobile Money for the Unbanked

    Mobile Money in the Democratic Republic of Congo: Market insights on consumer needs and opportunities in payments and financial services

    July 11, 2013 | | Sub-Saharan Africa | Case Study, Research
    pdf
    Given the potentially large user base and low penetration of financial services, the Democratic Republic of Congo (DRC) seems to hold significant commercial opportunity for mobile money. At 17.5%, the penetration of mobile exceeds the reach of financial service, with only 4% of the population having an account at a formal financial institution. However, the DRC market is complicated by security concerns, economic and political instability, minimal infrastructure, and a dispersed population. Give...
  • Mobile Money for the Unbanked

    Mobile Money for the Unbanked 101: A Guide to Commercial Best Practice

    July 9, 2013 | | Global | Presentation
    pdf
    This commercial guide has been written primarily with wallet-based MNO-led services in mind. However, since it covers the main topics in mobile money services it is likely to have relevance to services led by banks or third parties also. It is hoped this guide will serve as a useful introduction and refresher to staff within mobile money services at all levels of maturity. Download here...
  • Green Power for Mobile

    Best Practice Procurement Guide – East Africa

    July 8, 2013 | | Sub-Saharan Africa | White Paper
    pdf
    This document aims at addressing the one key aspect of deployment – the best procurement practice, to assist the MNOs and other stakeholders in adopting the best approach to green power deployment and scaling the adoption of green power. The document also looks at different business models to address the challenge of capital required for investing in green solutions for the MNOs and Tower Companies. Download here...
  • Mobile Money for the Unbanked

    Easypaisa: Mobile Money Innovation in Pakistan

    July 5, 2013 | | South Asia | Case Study
    pdf
    Easypaisa, a mobile money service launched in Pakistan in 2009, serves more than five million customers a month through 25,000 points of service. By the end of 2012, it had processed more than 100 million transactions with a throughput of more than US$ 1.4 billion. Easypaisa was identified as a 2012 GSMA Mobile Money Sprinter — one of the 14 most successful mobile money services. Download here...
  • Mobile Money for the Unbanked

    Innovative Inclusion: How Telesom ZAAD Brought Mobile Money to Somaliland

    July 3, 2013 | | Sub-Saharan Africa | Case Study
    pdf
    This case study details the success of Telesom ZAAD and the factors underlying this success. The objective for Telesom’s mobile money service, in the words of its CEO, has always been to bring financial inclusion to Somaliland. It was this vision that drove the company to offer their service to customers for free, and it has produced a number of other unique outcomes as well, which are discussed in the first section of the case study. Download here...
  • Mobile Money for the Unbanked

    Big ambition meets effective execution: How EcoCash is altering Zimbabwe’s financial landscape

    July 1, 2013 | | Sub-Saharan Africa | Case Study
    pdf
    Just 18 months after launch, the results are impressive: 2.3 million Zimbabweans have registered for EcoCash mobile money accounts, outnumbering all of Zimbabwe’s traditional bank accounts combined.This case study highlights how big ambition matched with effective execution has allowed EcoCash to fundamentally alter the financial landscape in Zimbabwe in such a short period of time. Download here...
  • Mobile Money for the Unbanked

    Platforms for Successful Mobile Money Services

    June 27, 2013 | | Global | White Paper
    pdf
    Based on extensive research of mobile money service providers and platform vendors, this paper aims to help service providers identify the functional and technical features they require for a platform to meet their business needs. The paper reviews what makes money money a unique type of service for MNOs, identifying the main features of a mobile money platform and the important functional and technical aspects. Download here...
  • Green Power for Mobile

    GPM Vendor Landscape – West and Francophone Africa – June 2013

    June 25, 2013 | | Sub-Saharan Africa | White Paper
    pdf
    The purpose of this vendor landscape document is to support mobile operators in their green power initiatives by providing them with a directory of brief profiles of green power vendors and service providers operating or having focus in the West & Francophone African region. Download here...
  • Green Power for Mobile

    Telecom Renewable Energy Vendor/ESCOs Landscape in Indonesia

    May 20, 2013 | | East Asia and Pacific | White Paper
    pdf
    This document is part of GPM’s continuing activity in the Indonesian market and lists the main renewable energy vendors/service providers that operate or have interests in the Indonesia telecom market. Download here...
  • Green Power for Mobile

    GPM Vendor Landscape – East Africa - May 2013

    May 20, 2013 | | Sub-Saharan Africa | White Paper
    pdf
    The purpose of this vendor landscape document is to support mobile operators in their green power initiatives by providing them with a directory of brief profiles of green power vendors/service providers operating or having focus in the East African region. Download here...
  • Disaster Response

    Humanitarianism In The Network Age - UN OCHA

    May 16, 2013 | | Global | Research
    pdf
    An OCHA Policy and Studies Series. The report imagines how a world of increasingly informed, connected and self-reliant communities will affect the delivery of humanitarian aid. Its conclusions suggest a fundamental shift in power from capitals and headquarters to the people aid agencies aim to assist. Download here...
  • Green Power for Mobile

    Powering Telecoms: Francophone Africa Market Analysis

    May 14, 2013 | | Sub-Saharan Africa | White Paper
    pdf
    The Green Power for Mobile (GPM) Market Analysis report for Francophone Africa aims to provide market insights and potential opportunity for green power for telecoms in the countries of focus – Senegal and Cameroon. Download here...
  • Mobile for Employment

    Connected Worker: How mobile technology can improve working life in emerging economies

    May 6, 2013 | | Global | Research
    pdf
    From Vodafone Group Plc. This report sets out to build on this exciting innovation and demonstrate how mobile technology can help to improve lives in emerging markets by looking at six opportunities to create shared value for workers and organisations. Download here...
  • Mobile for Employment

    Digital Jobs: Building Skills for the Future

    May 4, 2013 | | Global | Research
    pdf
    From The Rockefeller Foundation. This document presents our understanding of digital jobs, a term that can mean different things to different people. We hope that it can contribute to a growing body of literature about the ecosystem of the digital economy, and the opportunities it can create for high potential but disadvantaged youth. Download here...
  • mAgri

    Guidelines for Creating Agri VAS Content

    April 30, 2013 | | Global | Research, Tool
    pdf
    This document is a guide for Agricultural Value Added Service (Agri VAS) providers in creating valuable and impactful agricultural content suitable for delivery through mobile channels. Smallholder farmers are usually the main target for this type of information services. This document sets out to guide the reader to first understand the scale and scope of different agricultural content requirements and, then lays out a step by step process to deliver on the requirements. It is highly recom...
  • Green Power for Mobile

    Greening the Network: Indonesia Market Analysis

    April 26, 2013 | | East Asia and Pacific | White Paper
    pdf
    This Indonesia specific market analysis report aims at identifying and examining green power deployment possibilities and their potential for the Telecom industry in the country. The report analyses the current state of energy and infrastructure regulations in Indonesia and looks into current deployment methods in telecommunications and infrastructure management. Download here...
  • Green Power for Mobile

    Airtel - Madagascar - Feasibility Study

    April 22, 2013 | | Sub-Saharan Africa | Case Study
    pdf
    With over 2.5 million mobile connections and a market share of over 40% , Airtel is a leading GSM mobile operator in Madagascar. The operations started under the brand name of Airtel post-acquisition by Zain in 2010. Historically the operations started in 1997 under the name of Madacom until 2006, followed later by Celtel from 2006 to 2008. Download here...
  • Digital Inclusion

    Universal Service Fund Study

    April 16, 2013 | | Global
    pdf
    This report examines 64 Universal Service Funds, how they are currently meeting their objectives and what mobile’s role is in delivering universal service and access. It concludes that most funds are not achieving their stated goal of widening access to telecommunication services and that alternative market-based solutions are more effective. The study estimates that more than one-third of the 64 funds surveyed have yet to spend any of the contributions they have collected and that more than 1...
  • Mobile Money for the Unbanked

    MMU Spotlight: Direct Deposits

    April 15, 2013 | | Global | White Paper
    pdf
    This MMU Spotlight discusses the significance of ‘direct deposits’ to mobile money operators and how they can be addressed. Download here...
  • mAgri

    mAgri Webinar: mAgri’s Highlights from Mobile World Congress 2013

    April 9, 2013 | | Global | Presentation
    pdf
    These are the slides presented during a webinar on 9th April 2013 “mAgri’s Highlights from Mobile World Congress 2013”. The webinar covered: Highlights from a panel discussion with China Mobile, Tigo Tanzania and Handygo technologies looking at “Taking Agricultural Value Added Services (Agri VAS) to Market”. Other innovative products in the Mobile Agriculture space that featured in the mAgri seminar at MWC. Highlights from M4D seminars: mWomen and Mobile Money for the Unbanked ...
  • Green Power for Mobile

    Telecoms Renewable Energy Vendors/ESCOs Landscape in Bangladesh

    April 4, 2013 | | South Asia | White Paper
    pdf
    This document presents a summary of the power situation in Bangladesh, listing the main vendors/service providers that operate or have interests in the Bangladeshi telecom market. Download here...
  • Green Power for Mobile

    Powering Telecoms: West Africa Market Analysis

    March 14, 2013 | | Sub-Saharan Africa | White Paper
    pdf
    The Green Power for Mobile Market Analysis report for West Africa aims at providing market insights and highlight opportunities for telecom operators in the green power sector, in both Nigeria and Ghana. Download here...
  • mAgri

    mAgri Case Study: Nokia Life Agriculture Service

    March 11, 2013 | | Global | Case Study
    pdf
    By the end of February 2013 over 95 million people had experienced Nokia Life services. Launched in India in 2009, Nokia Life scaled to Indonesia in late 2009, China in May 2010, Nigeria in June 2011 and at the ...
  • Mobile Money for the Unbanked

    Results from the 2012 Global Mobile Money Adoption Survey - Presentation Slides

    March 11, 2013 | | Global | Presentation
    pdf
    With the 2012 Adoption Survey, MMU is able to share deeper insights on not only the number of customers, but also on how customers are using the service and, perhaps more importantly, how successful operators are positioning and managing mobile money to meet the needs of their customers. Download here...
  • mAgri

    mAgri Seminar at MWC13: Presentation Slides

    March 6, 2013 | | Global | Presentation
    pdf
    These slides were presented during the GSMA mAgri Seminar at Mobile World Congress 2013: Taking Mobile Agriculture Innovation to Market, on Monday 25 February 2013. Download here You will enjoy slides even more if combined with the recording of the session available here....
  • mAgri

    mAgri Seminar at MWC13: Service Profiles

    March 6, 2013 | | Global | Research
    pdf
    This document provides a summary of the mAgri services and products that featured in the mAgri Seminar at Mobile World Congress 2013: Taking Mobile Agriculture Innovation to Market, on Monday 25 February 2013. Download here...
  • Mobile Money for the Unbanked

    Mobile Money: Enabling regulatory solutions

    February 28, 2013 | | Global | Research
    pdf
    The aim of this paper is to provide a useful tool for regulators and mobile money providers to engage more effectively. It elaborates commonly held positions in the mobile industry on  some key policy and regulatory issues, backed up by evidence. Download: English | French...
  • Mobile Money for the Unbanked

    State of the Industry 2012: Results from the 2012 Global Mobile Money Adoption Survey

    February 27, 2013 | | Global | Research, White Paper
    pdf
    With the 2012 Adoption Survey, MMU is able to share deeper insights on not only the number of customers, but also on how customers are using the service and, perhaps more importantly, how successful operators are positioning and managing mobile money to meet the needs of their customers. Download: English | French | Spanish ...
  • Connected Women

    GSMA mWomen Marketing Handbook

    February 27, 2013 | | Global | Tool
    pdf
    The GSMA mWomen Marketing Handbook, created in partnership with Altai Consulting, is a resource for mobile network operators and other members of the mobile ecosystem to improve their approach to marketing to low-income women in emerging markets. It offers an approach and examples from the mobile industry as well as other industries and the development community. Download: English | French...
  • Connected Women

    Unlocking the Potential: Women and Mobile Financial Services in Emerging Markets – Executive Summary

    February 25, 2013 | | Global | Research
    pdf
    Executive summary of February 2013 report, produced in partnership with Visa Inc, which offers insights on women’s needs for financial management tools and use of mobile financial services in Indonesia, Kenya, Pakistan, Papua New Guinea and Tanzania.  It also contains implications for action for mobile financial service providers in any emerging market. Full report accessible here Download here...
  • Connected Women

    Unlocking the Potential: Women and Mobile Financial Services in Emerging Markets

    February 25, 2013 | | Global | Research
    pdf
    This February 2013 report, produced in partnership with Visa Inc, offers insights on women’s needs for financial management tools and use of mobile financial services in Indonesia, Kenya, Pakistan, Papua New Guinea and Tanzania.  It also contains implications for action for mobile financial service providers in any emerging market. Download here  ...
  • Disaster Response

    Towards a Code of Conduct: Guidelines for the Use of SMS in Natural Disasters

    February 22, 2013 | | Global | Case Study, Research
    pdf
    This joint effort draws on the wealth of existing expertise across numerous organizations and previous research to codify a series of best conduct practices for the use of SMS in disaster response. This guideline document is a collaborative work in progress and therefore neither fully comprehensive nor entirely complete. The need for a public SMS Code of Conduct is pressing so we hope experts in this space will continue to lend their expertise on the subject and thereby move these guidelines int...
  • Mobile Enabled Community Services

    Service over Technology: Defining the Role for Mobile in Energy Access - CPM White Paper

    February 22, 2013 | | Global | White Paper
    pdf
    While technology underpins the business models of Community Power from Mobile, ultimately the quality of the service to the customer is what creates success from the business model. This holds true whether an energy service company is a third party energy provider delivering to the mobile industry or a product provider selling solar home systems to rural dwellers: good technology is not enough. Download here...
  • Mobile Enabled Community Services

    Mobile Enabled Community Services - Vendor Directory 2013

    February 22, 2013 | | Global | Research
    pdf
    This is the first of two vendor catalogues to be published by the MECS programme in 2013. This catalogue looks at the energy access sector and will be updated mid-year by a second catalogue to include both energy and water services. Download here...
  • Green Power for Mobile

    Green Power for Mobile Vendor Directory - February 2013

    February 21, 2013 | | Global | Research
    pdf
    Updated February 2013. Extending mobile beyond the grid is one of the biggest challenges for mobile operators in developing countries. Without the right partner, the objective of deploying financially viable green solutions will never be possible. The objective of this vendor catalogue is to bring the industry together and make profiles available to mobile operators in order to provide them with a primary understanding of different vendor competencies, availability and solutions. Download her...
  • Mobile Enabled Community Services

    Safaricom - Kenya - Feasibility Study

    February 21, 2013 | | Sub-Saharan Africa | Case Study
    pdf
    With the power of the Safaricom brand and coverage, there is potential through its network, retail channels and mobile payment service (M-PESA) to enable better phone charging facilities and other energy services, so stimulating economic activity in off-grid communities and delivering cost-savings to the network plus revenue uplift. The feasibility study has shown Safaricom to be well-positioned to explore outsourcing to third party energy service companies for power and security services, where...
  • Mobile Enabled Community Services

    TNM - Malawi - Feasibility Study

    February 14, 2013 | | Sub-Saharan Africa | Case Study
    pdf
    The purpose of the feasibility study was to assess the viability of TNM’s network to provide modern energy services to off-grid communities in Malawi. GSMA’s Community Power from Mobile programme seeks to identify the opportunity and stimulate activity with solutions that are scalable and commercial. Download here...
  • Mobile for Employment

    Handshake - IFC’s quarterly journal on public-private partnerships

    February 5, 2013 | | Global | Research
    pdf
    Featuring an article, 'M is for Mobile,' by Head of mLearning Lauren Dawes. Download here...
  • Disaster Response

    Great East Japan Earthquake and research and development for network resilience and recovery

    February 5, 2013 | | East Asia and Pacific | Presentation
    pdf
    From Noriyuki Araki, Chairman FG-DR&NRR, NTT, Japan. Part of the ITU Workshop on E-health services in low-resource settings: Requirements and ITU role. Download here...
  • Mobile Enabled Community Services

    Unlocking a New Market: Ultra-Low-Cost M2M Opportunities and Barriers to a New Mobile Frontier

    February 4, 2013 | | Sub-Saharan Africa | White Paper
    pdf
    By Nick Hughes, M-KOPA. M-KOPA believes that M2M services for customers represent a new frontier. There are challenges but there are no impregnable barriers. Principal amongst the challenges is the need to simplify the core M2M technology and reduce its costs to allow it to be used in a wide range of applications. This case study explores M2M services and presents some ideas for consideration by the M2M industry. Download here...
  • Disaster Response

    Mobile Network Public Warning Systems and the Rise of Cell-Broadcast

    February 1, 2013 | | Global | Research
    pdf
    This report aims to provide an Introduction to Public Warning Systems and background to the most applicable technology used to deliver them, the Cell Broadcast Service. Download here...
  • Mobile Enabled Community Services

    Sustainable Energy & Water Access through M2M Connectivity

    January 31, 2013 | | Global | White Paper
    pdf
    This paper aims to shed light on the opportunities created by M2M solutions to reach and empower underserved populations in the developing world. The emergence of new business models leveraging GSM connectivity for remote operation and monitoring is already helping tens of thousands of people gain access to more affordable and sustainable basic life services. Download here...
  • Green Power for Mobile

    Extending The Grid: Bangladesh Market Analysis

    January 31, 2013 | | South Asia | White Paper
    pdf
    The objective for this report is to analyse the current state of energy and infrastructure regulations in Bangladesh, and the current approach in telecom infrastructure and power solutions being used. This report presents the reader with a market sizing as well as the future outlook for green power in the telecom sector and showcases the potential opportunity for the third party ESCO energy outsourcing model. Download here...
  • mAgri

    mAgri Webinar: Exploring the Nokia Life Agriculture Service

    January 16, 2013 | | Global | Presentation
    pdf
    These slides were presented by Nokia Life representatives during a joint webinar with the GSMA mAgri team on 15th January 2013. The webinar covered key facts about Nokia Life and specifically, the Nokia Life Agriculture Service. Other topics covered in the webinar included the market need, the user journey, the depth and spread of the service, the content process, the ecosystem of partners and the Nokia Life users. Download here...
  • Green Power for Mobile

    GPM Bi-annual Report - January 2013

    January 14, 2013 | | Global | Research, Presentation
    pdf
    Download here...
  • Disaster Response

    Designing an Effective Disaster Preparedness & Response Programme

    January 2, 2013 | | Global | Case Study
    pdf
    The purpose of this case study is to highlight the steps taken by Smart PLC. to develop their disaster response programme. Smart has engaged in disaster mitigation, preparedness and relief activities to meet the needs of its subscribers and their communities that are affected by recurring natural disasters across the Philippines. This paper illuminates the core principles and approach guiding Smart’s work in this space, and outlines the decisions, organisational structure and partnerships that...
  • Disaster Response

    Disaster Response: Guidelines for Establishing Effective Collaboration between Mobile Network Operators and Government Agencies

    January 2, 2013 | | Global | Research, White Paper
    pdf
    This landscape document will specifically examine relations between the operators and the public sector, including governments from both developing and developed nations, international bodies and regional authorities. These actors should leverage the expertise of the private sector effectively in order to integrate ICT tools into their response strategies. Download here...
  • Disaster Response

    Webinar Slides - Mobile and Humanitarian 101

    December 17, 2012 | | Global | Presentation, Research
    pdf
    These are the slides for the Disaster Response and CDAC Network webinar, Mobile and Humanitarian 101, which occured on 20th November, 2012. Download here Read a recap of the webinar....
  • Digital Inclusion

    Mobile telephony and taxation in Latin America

    December 16, 2012 | | Latin America and the Caribbean
    pdf
    This latest tax report explores the economic impact of mobile telephony and mobile-specific taxation in nine Latin American countries: Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Panama, Peru and Uruguay. It shows that the mobile industry contributed an estimated $177 billion USD to the economy, representing 3.5 per cent of GDP. However, despite these positive socio-economic contributions, mobile consumers and operators in Latin America face a significant taxation burden. The report ...
  • mHealth

    GSMA mHealth Infographic: MDG 6 - How mHealth is Supporting the Combat of HIV/AIDS, Malaria and Other Diseases

    December 5, 2012 | | Global | Research, Infographic
    pdf
    This infographic highlights the How mHealth is Supporting the Combat of HIV/AIDS, Malaria and Other Diseases, especially in Sub-Saharan Africa. Download here...
  • Digital Inclusion

    What Is the Impact of Mobile Telephony on Economic Growth?

    November 16, 2012 | | Global
    pdf
    The report ‘What Is the Impact of Mobile Telephony on Economic Growth?’ provides the first estimates of the impact of mobile data usage on GDP growth in developed and developing markets. The report draws from research of data usage and economic growth across 14 countries provided by Cisco Systems based on their Visual Networking Index (VNI), as well as Deloitte studies on the productivity impact of mobile in 79 countries and the impact of 3G penetration across 96 countries. Download What...
  • mHealth

    Webinar Slides: How to maximise the impact of mHealth services for maternal and child health

    November 14, 2012 | | Global | Presentation
    pdf
    These are the slides for GSMA mHealth's webinar "How to maximise the impact of mHealth services for maternal and child health" which occured on 13 November 2012. Download here View a recording of the webinar...
  • Disaster Response

    Disaster Response Vendor Catalogue

    November 1, 2012 | | Global | Research
    pdf
    The GSMA Disaster Response Programme has collected information from the vendor community to highlight products and services available to the mobile industry in advance of, and during, disasters. Download here...
  • Disaster Response

    Disaster Response News Update - November 2012

    November 1, 2012 | | Global | Research, Presentation
    pdf
    View the Disaster Response Programme’s latest newsletter. If you’d like to subscribe to the newsletter, sign up here. View the newsletter...
  • mAgri

    Feature your mAgri Product & Service on Mobile and Development Intelligence

    October 31, 2012 | | Global | Research
    word_icon
    To have your mAgri organisation and product/service correctly featured on the GSMA Mobile and Development Intelligence portal, please download and complete this form and return to vclause@gsm.org. Download here...
  • Disaster Response

    Cell Broadcast Emergency Alerts from One2Many

    October 30, 2012 | | Global | White Paper
    pdf
    A White Paper from One2Many. Cell Broadcast is the most effective method of broadcasting public warning alerts in emergency situations. One message can be sent to millions of devices, instantly, based on subscribers’ location to selected telephone cells. Cell Broadcast therefore enables location-specific emergency alerts without the need to register or track devices. Download here...
  • Mobile for Employment

    UNESCO Mobile Learning Newsletter - October 2012

    October 24, 2012 | | Global | Research
    pdf
    Download here...
  • Mobile Money for the Unbanked

    MMU 2012 Annual Report

    October 23, 2012 | | Global | White Paper
    pdf
    Download here...
  • Mobile Money for the Unbanked

    eWallet Merchant Payments: GSMA Discussion Paper

    October 22, 2012 | | Global | White Paper
    pdf
    With P2P, bill pay and airtime top ups still representing the vast majority of mobile money transactions today, mobile money service providers are keen to broaden their product offering. Merchant payments, a proximate payment from a consumer to a business at the point of sale, is an eWallet product extension frequently discussed of late. Download: English | French...
  • Green Power for Mobile

    Powering Telecoms: East Africa Market Analysis

    October 19, 2012 | | Sub-Saharan Africa | White Paper
    pdf
    The objective of the report is to analyse the current state of the telecom market and the highlight the current approach to powering networks to enable readers with see the potential for alternative energy solutions, in particular green power. The report looks at various elements including the industry structure, the regulatory environment, the current state of power within telecoms infrastructure as well as potential green power solutions. Download here...
  • Mobile Money for the Unbanked

    Expanding the Ecosystem of Mobile Money: Considerations for Interoperability

    October 18, 2012 | | Global | Research
    pdf
    In this note, we discuss interoperability in broad terms as the interconnection of mobile money services with external parties, with the aim to create value for both customers and commercial players. Download: English | French...
  • Mobile Money for the Unbanked

    Designing and delivering effective agent training programmes – MMU Webinar

    October 12, 2012 | | Global | Presentation
    pdf
    Agent training is a powerful lever to drive agent performance. This week, MMU held a webinar to dialogue with mobile money managers about how to design and implement impactful and cost effective trainings. Download: English | French...
  • Mobile Money for the Unbanked

    Organisational Design to Succeed in Mobile Money

    October 10, 2012 | | Global | Research
    pdf
    In an attempt to understand why certain mobile money programs prosper, Mobile Money for the Unbanked (MMU) has researched and developed best practice publications on a range of operational areas – including building well-functioning agent networks, driving customer usage, and fostering effective bank partnerships. Download: English | French...
  • mAgri

    mAgri Webinar: Mobile market information systems for farmers: requirements for success

    October 9, 2012 | | Global | Presentation
    pdf
    These are the slides that accompany the mAgri Webinar on “Mobile market information systems for farmers: requirements for success” that took place on 9th October 2012. Download here...
  • Mobile Money for the Unbanked

    Managing the Risk of Fraud in Mobile Money

    October 4, 2012 | | Global | Research
    pdf
    Risk management is a key component to the commercial success of any business. Effective risk management underlies sustainable commercial growth because it protects two key commercial assets: reputation and revenue. Download: English | French...
  • mAgri

    Focus Note: Designing & Marketing Mobile Information & Advisory Services for Women Smallholders

    October 2, 2012 | | Global | Research, White Paper
    pdf
    The purpose of this focus note is to introduce the gender theme to the Agri VAS community and share practical, actionable lessons on reaching women (with a focus on service design and marketing). The focus note summarizes insight and best practice provided by subject matter experts during a webinar “Designing & Marketing Mobile Information & Advisory Services for Women Smallholders”. Download here...
  • Mobile Money for the Unbanked

    Designing & Delivering Agent Training for Mobile Money Deployments

    September 20, 2012 | | Global | Research
    pdf
    The ability of mobile money agents to smoothly deliver cash and e-money to customers has major bearing on the success of a mobile money service. To drive high level agent performance, training is one of the more powerful levers available. Well trained agents are more likely to drive transaction volumes for the operator, educate the customers on how the service works and deliver error free transactions. Download: English | French...
  • mAgri

    GSMA mAgri Infographic: Agricultural Productivity Gap & The Opportunity for Mobile

    September 5, 2012 | | Global | Research, Infographic
    pdf
    The purpose of this infographic is to highlight 3 main messages: A vast number of people in developing countries work in agriculture, far more than in the developed world. In fact 99% of all people working in agriculture live in developing countries Despite this huge proportion of labour force engaged in agriculture in the developing world, there is a productivity gap: in the developing world yields are 60% of those in the developed world Meanwhile, the growth of mobile phones in emergin...
  • Green Power for Mobile

    Geocell – Georgia – Feasibility Study

    August 28, 2012 | | Europe and Central Asia | Case Study
    pdf
    Established in 1996, Geocell is the first GSM operator in Georgia operating on 900 MHz frequency and later on 1800 MHz frequency following the merger with GT Mobile; Georgia’s 3rd operator to start GSM services, in 2001. Later in 2003, a controlling stake in Geocell is acquired by the TeliaSonera group. In 2006, Geocell acquired UMTS license to operate on 2100 MHz frequency and launched its 3G and associated services to its subscribers. Geocell is the largest mobile operator in terms of subs...
  • Green Power for Mobile

    Ucell – Uzbekistan – Feasibility Study

    August 28, 2012 | | Europe and Central Asia | Case Study
    pdf
    Ucell part of TeliaSonera group, started its network modernization in 2008 with the aim of launching 3G and associated new services for the subscribers. The company has aggressively focused on expansion of network coverage in order to enable cellular coverage to the most remote districts of the country. Download here...
  • Disaster Response

    Disaster Response News Update: August 2012

    August 16, 2012 | | Global | Research, Presentation
    pdf
    View the Disaster Response Programme's latest newsletter. If you'd like to subscribe to the newsletter, contact disasterresponse@gsma.com View the newsletter...
  • Green Power for Mobile

    GPM Bi-annual Report - July 2012

    July 23, 2012 | | Global | Presentation, Research
    pdf
    Download here...
  • mAgri

    mAgri Webinar: Designing & Marketing Mobile Information & Advisory Services for Women Smallholders

    June 27, 2012 | | Global | Presentation
    pdf
    These are the slides that accompany the mAgri Webinar on 'Designing & Marketing Mobile Information & Advisory Services for Women Smallholders' that occurred on June 27, 2012. Download Here  ...
  • Disaster Response

    Dealing with Disasters: Technical Challenges for Mobile Operators

    June 27, 2012 | | Global | Research, White Paper
    pdf
    This discussion document presents the intention of the GSMA Disaster Response Programme in proposing key technical challenges faced by Mobile Operators before, during and after disasters. It aims to open a discussion about which challenges are most important and to pave the way for creating and implementing working solutions. Download Here...
  • Mobile Money for the Unbanked

    Emerging Practices in Mobile Microinsurance

    June 18, 2012 | | Global | White Paper
    pdf
    The objective of this paper is to outline the opportunities for leveraging the mobile channel, including mobile money, to deliver microinsurance, and to share examples of attempts to do so from around the world. We hope that readers from both the mobile industry and the insurance industry will find in these pages new ideas for collaboration that will make risk-management tools available to those who most need them. Download: English | French | Spanish...
  • Disaster Response

    Disaster Response MAE 2012 Working Group Agenda

    June 14, 2012 | | East Asia and Pacific | Presentation
    pdf
    At this inaugural Asian Working Group, key industry players will convene to address the regionally-specific challenges and opportunities that exist around building a joined-up global technical blueprint for disaster-prepared and disaster-resistant networks. In the afternoon session, a deep-dive on how best to coordinate with crisis affected populations and humanitarian organisations will also be conducted. Download the Working Group Agenda Spaces are limited. To reserve yours, please email...
  • Mobile Money for the Unbanked

    Marketing Mobile Money: Top 3 Challenges

    June 8, 2012 | | Global | Presentation
    pdf
    In this presentation, Yasmina McCarty discusses the top 3 challenges associated with the marketing of mobile money services for the unbanked: 1) Segmenting the market appropriately, 2) Understanding the customer journey, and 3) developing the right marketing mix. Download here...
  • Green Power for Mobile

    GPM Interactive Replication Guide: India Market Specific

    June 7, 2012 | | South Asia | White Paper
    pdf
    This Guide is intended to assist Mobile Network Operators (MNOs) and Infrastructure Providers (IPs) navigate through the decision making process of determining if a site is a suitable candidate for conversion into a renewable energy deployment in the Indian market. Download here...
  • Mobile Money for the Unbanked

    Protecting the poor: A microinsurance compendium Volume II

    June 1, 2012 | | Global | Research
    pdf
    Low-income households are vulnerable to risks and economic shocks. One way for the poor to protect themselves is through insurance. By helping low income households manage risk, microinsurance can assist them to maintain a sense of financial confidence even in the face of significant vulnerability. Download: English...
  • Mobile for Employment

    The eLearning Africa 2012 Report

    May 30, 2012 | | Sub-Saharan Africa | Research
    pdf
    The collective eLearning experience in Africa, premised on the voices of Africans, covering 41 African countries, has never been documented before. The richness of our divergent views, aspirations, critiques and insights have not yet been shared in this way. Download here...
  • mHealth

    Using mHealth to Support Universal Health Access

    May 30, 2012 | | Global | Presentation, Research
    pdf
    This report discusses: Current State of Global Healthcare: Health Gains & Failures; Global & Regional Overview of mHealth Services; mHealth Services Addressing Universal Health Indicators; Review of 794 Mobile Operators’ Involvement in mHealth; Examples within the mHealth Categories and Regions; and the Future Development of the mHealth Tracker. Download here...
  • mHealth

    Health Hotline Services in Emerging Markets

    May 30, 2012 | | Global | White Paper
    pdf
    Health hotlines (medical call centres) play an important role particularly in preventative medicine and disease diagnosis, strengthening over-burdened health facilities and healthcare service delivery, especially in developing countries Download here...
  • mHealth

    Integrating Healthcare: The Role and Value of Mobile Operators in eHealth

    May 29, 2012 | | Global | White Paper
    pdf
    This paper explores the emerging role of mobile operators in eHealth: the GSMA presents opportunities for mobile operators to play a significant role in integrating systems, organisations and people across the health system, effectively integrating mobile into the health patient pathway. Download here...
  • Mobile Enabled Community Services

    Tower power saves lives

    May 26, 2012 | | Sub-Saharan Africa | Case Study
    pdf
    From New Scientist. Published 26 May 2012. Staff at Morganster Hospital, which serves a remote community in Zimbabwe’s Masvingo province, used to sleep fitfully. If the power failed and a back-up generator was offline – common problems in the impoverished nation – they would have to jump out of bed and drive for 26 kilometres to stash their stock of life-saving vaccines in a fridge in the provincial capital. But those days are over, thanks to a pilot project that is testing a simple idea f...
  • Mobile for Employment

    Shaping The Future – Realising the potential of informal learning through mobile

    May 24, 2012 | | Global | Research
    pdf
    In 2011, GSMA and The MasterCard Foundation began a research study to understand how mobile technology can help young people achieve their future aspirations. With a focus on Ghana, Morocco, Uganda and Maharashtra in India, GSMA researchers listened to more than 1,200 young people, whose experiences and perspectives shared in this report can help guide the future of the fast growing, but still nascent area of mLearning. Download here...
  • Digital Inclusion

    Mobile telephony and taxation in Turkey

    May 16, 2012 | | Middle East and North Africa
    pdf
    This report examines the economic impact of mobile telephony and the impact of mobile-specific taxation in Turkey. It highlights that mobile consumers in Turkey pay the highest taxation as a proportion of mobile service costs in the world. Taxes in 2011 represented 48.2 per cent of the Total Cost of Mobile Ownership (TCMO) 1 for the average Turkish consumer against a global average of just 18.2 per cent. As a result, mobile penetration in Turkey lags behind other European and neighbouring countr...
  • Green Power for Mobile

    Green Deployment Tracker Template

    May 15, 2012 | | Global | Research
    excel-icon
    The Green Power for Mobile Green Deployment Tracker is now moving to a new platform. To ensure that data is up to date, we request that you go to the current tracker and make sure your numbers for planned and live deployments are correct. If there are any discrepancies, please fill in out template with the correct data so that we can upload the correct information when we migrate over to the new platform. Green Power for Mobile Deployment Tracker - Add your deployments...
  • Mobile for Employment

    mLearning: A Powerful Tool for Addressing MDGs

    May 10, 2012 | | Global | Research
    pdf
    From Alcatel-Lucent, and written by Florence Gaudry-Perkins & Lauren Dawes (Contributing Editor). mLearning could have a profound effect on tackling many MDGs. It could have a clear impact, of course, helping achieve universal primary education (MDG2) and promoting gender equality (MDG3) by enabling further access to education by all children and eliminating gender discrimination in education. Download here...
  • Mobile Money for the Unbanked

    State of the Industry: Results from the 2011 Global Mobile Money Adoption Survey

    May 9, 2012 | | Global | Research, White Paper
    pdf
    The mobile money industry, as measured by the number of deployments around the world, has grown rapidly. As of April 2012, there were 123 that offered basic financial services to customers. But the number of customers who are actually using these services has been difficult for anyone to ascertain. Download: English | French | Spanish...
  • Green Power for Mobile

    Fuel Cell Systems for Base Stations: Deep Dive Study

    April 11, 2012 | | Global, East Asia and Pacific | White Paper, Case Study
    pdf
    An exploration of the current and future potential of fuel cell systems to provide green power for the telecoms industry Download here...
  • Green Power for Mobile

    Telecoms Renewable Energy Vendors/ESCOs Landscape in India: Revised version

    April 11, 2012 | | South Asia | White Paper
    pdf
    This India Vendor Catalogue document aims to present a landscape of the main green solutions vendors and ESCOs (Energy Service Companies) providing products and services to the mobile telecoms sector in India. Download here...
  • Mobile Money for the Unbanked

    CGAP Landscape Study on International Remittances through Mobile Money

    April 10, 2012 | | Global | Case Study, Research
    pdf
    CGAP’s Technology & Business Model Innovation Program commissioned Dalberg Global Development Advisors to conduct a ‘refresh’ on an earlier landscaping study for international remittances through mobile money. Download: English ...
  • Mobile Money for the Unbanked

    Kenya’s Mobile Revolution and the Promise of Mobile Savings

    April 5, 2012 | | Sub-Saharan Africa | Case Study, Research
    pdf
    The mobile revolution has transformed the lives of Kenyans, providing not just communications but also basic financial access in the form of phone-based money transfer and storage, led by the M-PESA system introduced in 2007. Currently, 93 percent of Kenyans are mobile phone users and 73 percent are mobile money customers. Download: English...
  • Disaster Response

    Disaster Response Overview

    April 5, 2012 | | Global | Presentation
    ppt_icon
    Learn more about the Disaster Response Programme and what the programme will achieve. Download here...
  • Green Power for Mobile

    Bharti Infratel's White Paper - Green Networks: Transforming Telecommunications on Sustainable Energy Alternatives

    April 2, 2012 | | South Asia | White Paper
    pdf
    Bharti Infratel’s pioneering GreenTowers P7 Initiative is a comprehensive energy-efficiency and alternate-energy program covering seven high impact initiatives, which are aimed at reducing the carbon footprint through lower and optimized diesel usage. Download here...
  • Mobile Money for the Unbanked

    Managing the Risk of Mobile Banking Technologies

    March 28, 2012 | | Global | Research
    pdf
    The rapid take-up and potential scale of new offerings has led to increased interest from mobile Fin. Services Providers (mFSP), both banks and non-banks, and regulators in managing risks. Download: English ...
  • Mobile Money for the Unbanked

    Regulating Mobile Money: 4 Areas of Focus

    March 25, 2012 | | Global | Presentation
    pdf
    Download: English ...
  • Green Power for Mobile

    Procurement Model Analysis: CAPEX vs OPEX

    March 23, 2012 | | South Asia | Research
    pdf
    This document presents a comparative analysis of an in house CAPEX based and outsourced OPEX based renewable energy model. The Green Power for Mobile procurement model analysis is based on current intelligence of the Indian telecom market. Download here...
  • Mobile Money for the Unbanked

    Mobile Money: Getting to Scale in Emerging Markets

    March 23, 2012 | | Global | Research
    pdf
    More than a billion people in emerging and developing markets have cell phones but no bank accounts. It’s generally too expensive for banks to place retail branches and ATMs in poorer areas, particularly those that are rural and sparsely populated, and the services such outlets offer usually don’t meet the needs of lower-income customers anyway. The informal networks through which low-income people do store and transfer money have high transaction costs and are prone to theft. mobile money i...
  • Green Power for Mobile

    Best Practice Procurement Guide for Green Energy in India - March 2012

    March 1, 2012 | | South Asia | White Paper
    pdf
    This is the revised version of our earlier published Best Practise Procurement Guide for Green Energy in India, to enhance market intelligence for the Indian mobile telecom industry, and is based on current intelligence of the Indian Market. Download here...
  • Connected Women

    Striving & Surviving: Exploring the Lives of Women at the Base of the Pyramid

    February 27, 2012 | | Global | Research
    pdf
    Full length research report surveying the wants, needs, aspirations and mobile uses of women living at the base of the pyramid (BoP), which are those living on under US$2 a day. Conducted in partnership with the Australian Agency for International Development (AusAID) and the United States Agency for International Development (USAID), with primary research undertaken by TNS, the research format brings the voices of BoP women to life through eight fictional, composite ‘Portraits’ of responden...
  • Connected Women

    GSMA mWomen Research Toolkit

    February 27, 2012 | | Global | Tool
    zip_icon
    "This toolkit contains all research tools used to create ‘Striving and Surviving: Exploring the Lives of Base of the Pyramid Women’ These include: Ethnography Observation Guide Focus Group Discussion Guides Opinion Leader Discussion Group Wants and Needs Questionnaire Download here...
  • Connected Women

    Portraits: A Glimpse into the Lives of Base of the Pyramid Women

    February 27, 2012 | | Global | Research
    pdf
    This research report is the first to survey the wants, needs, aspirations and mobile uses of women living at the base of the pyramid (BoP), which are those living on under US$2 a day. Conducted in partnership with the Australian Agency for International Development (AusAID) and the United States Agency for International Development (USAID), with primary research undertaken by TNS, the research format brings the voices of BoP women to life through eight fictional, composite ‘portraits’ of res...
  • Connected Women

    Impact Pathway for Mobile & Women

    February 26, 2012 | | Global | Tool
    zip_icon
    The Impact Pathway for Mobile and Women explores how women can be empowered through ownership and effective usage of mobile phones, and how access for women to life-enhancing mobile services can lead to economic advancement, and enhanced power and decision-making abilities. To test this theory of change, the GSMA mWomen team in partnership with USAID and AusAID, commissioned PwC to undertake a review of relevant literature covering leading initiatives, programmes, and deployments known to be tak...
  • Connected Women

    Realising the mWomen Opportunity: A Framework for Designing the mWomen Business Case

    February 26, 2012 | | Global | Research, Tool
    pdf
    This framework is designed to help MNOs gather evidence that women are valuable mobile subscribers and highlight best practices and proposed approaches to targeting these women. Though regional and local contexts will factor heavily into each MNO’s strategies, this document identifies commonalities among the emerging market MNOs and introduces a broad framework for analysis. The framework is designed to be an overview of possibilities across a mobile proposition lifecycle, providing a step-by-...
  • Mobile Money for the Unbanked

    The case for interoperability: Assessing the value that the interconnection of mobile money services would create for customers and operators

    February 23, 2012 | | Global | White Paper
    pdf
    In this article, we ask whether there is a case for interconnecting mobile money services. To answer the question, we start by evaluating the extent to which customers are likely to value the ability to transact across networks. Download: French | Spanish | English...
  • Green Power for Mobile

    Energy + Mobile at Mobile World Congress 2012

    February 15, 2012 | | Global | Research
    pdf
    Energy is the backbone of the mobile industry: without it the mobile network would not exist and we could not turn on our mobile phones. Nowhere is this truer than in emerging markets, where mobile operators have become proficient at operating in areas of unreliable and nonexistent grid electricity. Download here...
  • Mobile Money for the Unbanked

    Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature

    February 2, 2012 | | Global | Research
    pdf
    Reviews the emerging literature on the definitions and model taxonomies employed in mobile banking; the status and drivers of global adoption of these schemes; the take-up and usage patterns of customers and their socio-economic impact; and, finally, regulatory issues. Download: English...
  • Mobile Money for the Unbanked

    Mobile Water Payment Innovations in Urban Africa

    February 2, 2012 | | Sub-Saharan Africa | Research
    pdf
    This report examines the impacts and implications of mobile water payments from Kenya, Uganda, Tanzania and Zambia. Evidence from 20 urban water service providers serving over 12.5 million customers is evaluated against the deployment strategies of mobile network operators and the responses of national water service regulators. Download: English ...
  • Mobile Enabled Community Services

    CPM Vendor Directory

    February 2, 2012 | | Global | Research, White Paper
    pdf
    The CPM Vendor Directory builds on the past experience of the Green Power vendor guides and Charging Choices reports. The vendors within this catalogue have been ordered alphabetically and subsequently categorised at the back according to their specialist field. We hope that this catalogue will provide a snapshot of the current market and is organised in a clear and concise way. Download here...
  • Mobile Money for the Unbanked

    Leveraging Information and Communication Technology for the Base Of the Pyramid

    January 24, 2012 | | Global | Research
    pdf
    The focus of this study is the tremendous opportunities that Information and Communication Technology (ICT) offers to provide access to essential services, such as education, healthcare, agro-services or financial services to the BOP. Download: English...
  • Mobile Money for the Unbanked

    Water Delivery through Payment Platform – M-PESA Pushes the Rural Frontier

    January 24, 2012 | | Sub-Saharan Africa | Case Study
    pdf
    This paper examines the use of M-PESA’s payment system as it is combined with the Grundfos LIFELINK water delivery system to provide access to a safe source of water. Download: English ...
  • Mobile Money for the Unbanked

    M-PESA and Access to Health in Kenya

    January 19, 2012 | | Sub-Saharan Africa | Case Study
    pdf
    This study focuses on the current role of M-PESA in facilitating access to health services in Kenya and explores the potential that exists for the M-PESA platform to increase access to health. Download: English ...
  • Mobile Money for the Unbanked

    Kenya Case Study: Linking Mobile Banking And Mobile Payment Platforms To Credit Bureau

    January 19, 2012 | | Sub-Saharan Africa | Case Study, Research
    pdf
    Mobile transaction data may potentially help this population establish a formal credit history, help lenders more accurately evaluate credit risk, and lead to increased access to financial services for the poor. Download: English ...
  • Mobile Money for the Unbanked

    Microsave Briefing Note 116: Building Business Models for Mobile Money

    January 19, 2012 | | Global | Research
    pdf
    This Note uses a business model framework and some concepts co-created by practitioners in an online community called the business model innovation hub, to understand and assess the mobile banking business. Download: English ...
  • Mobile Money for the Unbanked

    Haiti Mobile Money: A Point-in-Time Case Study

    January 12, 2012 | | Latin America and the Caribbean | Case Study
    pdf
    This case study examines the evolution of mobile money in Haiti and identifies the factors necessary for the market’s continued growth, sustainability and financial inclusiveness. Download: English ...
  • Green Power for Mobile

    Green Power for Mobile Vendor Directory

    January 2, 2012 | | Global | Research
    pdf
    Updated January 2012. The Green Power for Mobile programme has sought information on the capabilities, products and services of the vendor community within the industry in an attempt to evolve and regenerate the current vendor listing page. Download here...
  • Green Power for Mobile

    Telekom Networks Malawi (TNM) Ltd. - Malawi - Feasibility Study

    January 1, 2012 | | Sub-Saharan Africa | Case Study
    pdf
    TNM is the second largest mobile operator in Malawi with a subscriber base of 1.6 million and a market share of over 42%.4 A pioneer in offering new services, TNM became the first mobile operator in Malawi to launch and offer 3G services including video calling, video and music streaming, and mobile broadband access. Download here...
  • Mobile Money for the Unbanked

    IFC Mobile Money Study 2011 – Summary

    December 21, 2011 | | Global | Case Study
    pdf
    IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. Download: English ...
  • Mobile Money for the Unbanked

    IFC Mobile Money Study 2011 – Brazil

    December 21, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. It looks at the technology required and the business models used by mobile network operators, banks, and others in Brazil. Download: English ...
  • Mobile Money for the Unbanked

    IFC Mobile Money Study 2011 – Nigeria

    December 21, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. It looks at the technology required and the business models used by mobile network operators, banks, and others in Nigeria. Download: English ...
  • Mobile Money for the Unbanked

    IFC Mobile Money Study 2011 – Thailand

    December 21, 2011 | | East Asia and Pacific | Case Study, Research
    pdf
    IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. It looks at the technology required and the business models used by mobile network operators, banks, and others in Thailand. Download: English ...
  • Mobile Money for the Unbanked

    Women Entrepreneurs in Mobile Retail Channels: Empowering Women, Driving Growth

    December 12, 2011 | | Global | Research
    pdf
    In this report, we investigate the gender composition of the ‘mobile value chain’ (MVC) in 11 different markets around the world. We examine the current level of women’s participation in the MVC and the benefits of such participation both for MNOs and for women entrepreneurs. Download: English ...
  • Mobile Enabled Community Services

    Harnessing The Full Potential of Mobile for Off-Grid Energy

    December 2, 2011 | | Global | White Paper
    pdf
    The first 12 months of the Community Power from Mobile Programme have highlighted both the opportunities and challenges in delivering access to energy through mobile. Through sharing knowledge gained from our work we hope to provide insights to our members and increase the conversations and collaborations we are having with organisations interested in how the advancement of the mobile sector can be best leveraged to develop the off-grid energy market. Download here...
  • Green Power for Mobile

    GPM Bi-annual Report - December 2011

    December 1, 2011 | | Global | Presentation, Research
    pdf
    Download here...
  • Disaster Response

    New Technologies in Cash Transfer Programming and Humanitarian Assistance

    December 1, 2011 | | Global | Research
    link_icon38Website
    A study by Concern Worldwide, Oxford Policy Management (OPM) and the Partnership for Research in International Affairs and Development (PRIAD). The research was undertaken to explore (i) preconditions for the use of technological mechanisms identified; (ii) user-friendliness of the technology for the recipient and for the agency; (iii) issues concerning accountability; and (iv) potential for wider impacts. Please view the report by visiting The Cash Learning Partnership website....
  • Connected Women

    Uninor: Empowering Women through an Innovative Distribution Model

    November 30, 2011 | | South Asia | Case Study
    pdf
    Evaluation of Uninor's innovative pilot program, Citizen Centre Enterprises (CCEs), which delivers business service through a network of women entrepreneurs in partnership with non governmental organisation Hand in Hand. The study focuses on the value that the CCE model creates for all parties by bringing women into the mobile value chain. This includes bringing increased sales for the operator and empowering and improving livelihoods for the women entrepreneurs. Download here...
  • Mobile Money for the Unbanked

    Using Mobile Money, Mobile Banking to Enhance Agriculture in Africa

    November 22, 2011 | | Global | Research
    pdf
    This paper provides a brief overview of mobile money and explains the basics of such services; their current and potential use for agriculture related projects. Download: English ...
  • Digital Inclusion

    Global Mobile Tax Review 2011

    November 16, 2011 | | Global
    pdf
    This global tax benchmark reviewed the application of tax to the mobile sector for 111 countries. The report found that the average increase in tax, as a proportion of mobile usage costs, rose by over one per cent from 16.9 in 2007 to 18.0 per cent today, and that taxation as a proportion of the total cost of mobile ownership, increased from 17.4 per cent in 2007 to 18.1 per cent today. Some 63 countries levy mobile-specific taxation in addition to general sales taxes. Regionally, Europe show...
  • Mobile Money for the Unbanked

    Policing Financial Services Surveying the Anti-Money Laundering Regulatory Regime

    November 8, 2011 | | Global | Research
    pdf
    The paper provides an overview of what AML standards mean for public institutions and highlights challenges that have surfaced to date. Download: English ...
  • Disaster Response

    Best Practice and Lessons Learned in Communication with Disaster Affected Communities: Haiti 2010

    November 7, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    By Imogen Wall with Yves Gerald Chéry. This paper attempts to capture some of the communication work implemented by a whole range of partners, and to identify what was delivered from the perspectives of those affected by these two major but very different emergencies. The purpose of this exercise is to inform the continuing response in Haiti and to provide practical case studies and analysis of best practice models that may be useful elsewhere. Download here...
  • Green Power for Mobile

    LEO - Burundi - Feasibility Study

    November 1, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    LEO (U-Com) Burundi is the largest telecom operator in Burundi, is owned by Orascom Telecom Holding a subsidiary of Vimpelcom group. As a leading telecom operator in Burundi, LEO is providing voice services since 1993 and data services since 2007. Download here...
  • Mobile Money for the Unbanked

    Financial Regulators and the Gateway to Financial Inclusion

    October 6, 2011 | | Global | Research
    pdf
    Claire Alexandre from the Bill and Melinda Gates Foundation examines the initiatives that have been created worldwide to promote financial inclusion. Download: English ...
  • mHealth

    South Africa Mobile Health Market Opportunity Analysis Full Report

    October 4, 2011 | | Sub-Saharan Africa | White Paper, Case Study
    pdf
    Healthcare stakeholders are increasingly turning their attention to the opportunities that can be enabled through the application of mobile technologies in health. Despite a significant body of research documenting the potential benefits of mobile within healthcare, there remain a number of obstacles to realising this potential and achieving sustainability. Download here...
  • mHealth

    South Africa Mobile Health Market Opportunity Analysis Summary

    October 4, 2011 | | Sub-Saharan Africa | Case Study, White Paper
    pdf
    Healthcare in South Africa is at a critical juncture, facing profound inequalities between public and private healthcare, escalation of costs and critical shortages of healthcare professionals. These and other challenges require immediate, innovative and scalable solutions. There must be a renewed and major investment in health if current gaps in provision are to be filled, something the Government is already planning with its introduction of a new National Health Insurance scheme. Download h...
  • Mobile Money for the Unbanked

    Mobile Banking and Financial Inclusion: The Regulatory Lessons

    October 3, 2011 | | Global | Research, White Paper
    pdf
    This paper sets out a framework for considering the design of regulation of mobile banking and mobile money. Download: English ...
  • mAgri

    Agricultural Value Added Services (Agri VAS): Market Entry Toolkit

    October 1, 2011 | | Global | Research, White Paper
    pdf
    This document explores the opportunities for Agricultural VAS* and covers emerging best practice on marketing, service design and business modelling. It is primarily addressed to Mobile Network Operators (MNOs), other service providers, and agricultural organisations who are looking to partner and launch Agri VAS. Download here...
  • mAgri

    Agricultural Value Added Services (Agri VAS): Market Assessment & User Needs

    October 1, 2011 | | Global | Research, White Paper
    pdf
    At the design stage of any new product or service, it is critical to understand the user’s needs and to identify the unique demographics that exist within the target market. This is especially crucial for Agri VAS as base of pyramid users tend not to be surveyed extensively. Download here...
  • mAgri

    Agricultural Value Added Services (Agri VAS): Service Design

    October 1, 2011 | | Global | Research, White Paper
    pdf
    Irrespective of the nature of the target market, a successful Agri VAS design will always endeavour to provide information that is timely, actionable and relevant. Download here...
  • mAgri

    Agricultural Value Added Services (Agri VAS): Marketing

    October 1, 2011 | | Global | Research, White Paper
    pdf
    When introducing new products and services, the role of marketing is twofold and serves to: 1. Understand the consumer and their changing information needs (continuously incorporating new insight into the marketing strategy and service design). 2. Drive consumer demand through advertising, sales and optimised distribution. Download here...
  • mAgri

    Agricultural Value Added Services (Agri VAS): Commercial Model & Business Case

    October 1, 2011 | | Global | Research, White Paper
    pdf
    Agri VAS should be set up with a long-term commercial and financial model in mind. Although many Agri VAS will leverage ‘seed’ funding for their initial piloting and start-up phases, it is important to avoid the ensuing strictures of donor dependence by adhering to a viable, sustainable business case. Download here...
  • Mobile Money for the Unbanked

    Zap It to Me: The Short-Term Impacts of a Mobile Cash Transfer Program

    September 29, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    By Jenny C. Aker, Rachid Boumnijel, Amanda McClelland, and Niall Tierney. This paper reports on the first randomized evaluation of a cash transfer program delivered via the mobile phone. In response to a devastating drought in Niger, households in targeted villages received monthly cash transfers as part of a social protection program. Download: English ...
  • Mobile for Employment

    Ambient Insight 2010-2015 Worldwide Mobile Learning Market Forecast Executive Overview

    September 22, 2011 | | Global | Research
    pdf
    The worldwide market for Mobile Learning products and services reached $3.2 Billion in 2010. The five-year compound annual growth rate (CAGR) is 22.7% and revenues will reach $9.1 billion by 2015. The country-by-country dynamics of the worldwide market are changing fast. In the 2010 market, the US was the top Mobile Learning buying country, followed by Japan, South Korea, the UK, China, and Taiwan. Download here...
  • Mobile Money for the Unbanked

    Cash In, Cash Out Kenya:The Role of M-PESA in the Lives of Low Income People

    September 21, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    By Monique Cohen. Using a Financial Diaries methodology, Microfinance Opportunities undertook a study to examine how low-income Kenyans use M-PESA, the country’s pioneering e-money service. The study focused on: the value of M-PESA to low-income individuals; the most likely areas for M-PESA’s future growth; and whether M-PESA can serve as a platform for financial services beyond remittances. Download: English ...
  • Mobile Money for the Unbanked

    Opportunities and Obstacles to Financial Inclusion Survey Report

    September 20, 2011 | | Global | Research
    pdf
    The survey is intended to provoke dialogue about what financial inclusion is and how to achieve it. It identifies the various pieces needed to complete the puzzle, in the confidence that those working toward financial inclusion can together take actions that will substantially reduce financial exclusion by the year 2020. Download: English ...
  • Digital Inclusion

    Mobile Telephony and Taxation in Kenya

    September 11, 2011 | | Sub-Saharan Africa
    pdf
    Since the Kenyan government’s abolition of the VAT on handset sales, mobile penetration has increased from 50 per cent to 70 per cent. The mobile industry is a significant contributor to Kenya’s economy, contributing more than KES 400 billion annually, and employing almost 250,000. This case study explores how Kenya’s abolished mobile handset taxes have made mobile services more affordable for the wider population, boosting the Kenyan economy. The report shows that mobile operators will co...
  • Mobile Money for the Unbanked

    Savings as Forward Payments: Innovations on Mobile Money Platforms

    September 7, 2011 | | Global | Research
    pdf
    This paper presents a new framework which allows people to manage their diverse payment, cashflow management and commitment savings needs simply and intuitively, from a single account. It builds on the logic of mobile money platforms, which provide customers with the ability to initiate real-time electronic payments from their mobile phone and to keep funds in a store-of-value account. Download: English ...
  • mHealth

    MET Key Design Considerations for Service Development

    September 1, 2011 | | Global | White Paper
    pdf
    Mobile Health technologies and services are proliferating as both the healthcare and mobile industries become increasingly aware and interested in their potential to improve efficiencies and access while reducing costs. The number of wellness and health related applications has grown exponentially as consumers incorporate health and fitness information and tools into their mobile lifestyle. Download here...
  • mHealth

    MET Framework for Technology Assessment for Mobile Health

    September 1, 2011 | | Global | White Paper
    pdf
    This paper aims to help mobile industry develop a strategy around the architecture that is needed to deliver on Mobile Health strategies, including the extent to which existing infrastructure can be leveraged, which net new capabilities need to be created, considerations for integration into other systems from other partners and stakeholders. Download here...
  • mHealth

    MET Mobile Health Services Marketing

    September 1, 2011 | | Global | White Paper
    pdf
    This paper provides an initial look at the current state of Mobile Health services marketing in developing countries and begins to synthesise the learnings and draw out the differences with respect to the marketing and promotion of Mobile Health services relative to traditional health services or other mobile VAS. Download here...
  • Green Power for Mobile

    Best Practise Procurement Guide for Green Energy in India - September 2011

    September 1, 2011 | | South Asia | White Paper
    pdf
    This document presents a best practise procurement guide for the mobile telecoms sector in India. The Green Power for Mobile best practise guide is based on current intelligence of the Indian Market. Download here...
  • Mobile Money for the Unbanked

    Diary of a Mobile Money Program e-Book Two: Beneficiary Financial Diaries – In their Own Words

    August 19, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    MercyCorp’s e-Book 2 moves beyond initial program insights from the pilot phase to share the experiences of individual usage of mobile money as expressed by program beneficiaries themselves. Drawing on information collected from beneficiary financial diaries, they take an intimate look at the financial lives of these vulnerable rural communities as a mobile money ecosystem is building around them and present a detailed overview of their perceptions, patterns, and preferences, as described by t...
  • Mobile Money for the Unbanked

    Risk Sharing and Transaction Costs: Evidence from Kenya’s Mobile Money Revolution

    August 16, 2011 | | Sub-Saharan Africa
    pdf
    By William Jack and Tavneet Suri. This paper estimates the impact of M-PESA transaction cost reductions on informal risk sharing using data from a large panel survey conducted between 2008 and 2010. The authors find that households without access to mobile money suffer about 7 percent reductions in consumption when faced with negative income shocks, but those with access to mobile money are able to smooth the effects of these income shocks completely. Download: English ...
  • Mobile Money for the Unbanked

    A Financial Analysis of Mobile Money Services

    August 10, 2011 | | Global | Research
    pdf
    This paper develops a financial reporting framework to identify (and quantify) operating costs associated with delivering mobile financial services to unbanked populations in emerging markets. The framework is based on a review of relevant literature and an analysis of the financial reporting of conventional money transfer businesses. Download: English ...
  • Green Power for Mobile

    Telecoms Renewable Energy Vendors & ESCOs Landscape in India

    August 1, 2011 | | South Asia | White Paper
    pdf
    This document presents a summary of the current state of the Indian Mobile Telecom Market, an overview of the use of renewable energies for the mobile infrastructure and a listing of the main vendors/ESCOs operating on the Indian market. This analysis is based on current knowledge of the Indian Market as well as publicly available information from vendors, tower companies and mobile operators. Download here...
  • Mobile Money for the Unbanked

    Mobile Banking: The Impact of M-Pesa in Kenya

    July 26, 2011 | | Sub-Saharan Africa | Case Study, Research
    pdf
    By Isaac Mbiti and David N. Weil. Analyses data from two waves of individual data on financial access in Kenya, finding that increased use of M-Pesa lowers the propensity of people to use informal savings mechanisms such as ROSCAS, but raises the probability of their being banked. While we find little evidence that people use their M-Pesa accounts as a place to store wealth, our results suggest that M-Pesa improves individual outcomes by promoting banking and increasing transfers. Download: E...
  • Mobile Money for the Unbanked

    Demand Study of Domestic Payments in the Philippines

    July 20, 2011 | | East Asia and Pacific | Case Study, Research
    pdf
    Download: English...
  • Mobile Money for the Unbanked

    Mobile Money in Latin America A case study of Tigo Paraguay

    July 19, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    This case study provides a summary of the Paraguayan mobile financial ecosystem, highlighting the favourable conditions which have contributed to the development of Mobile Money. Download: Spanish | English ...
  • Mobile Money for the Unbanked

    Evaluación de las capacidades de las entidades microfinancieras del Perú para el despliegue de servicios financieros móviles”

    July 19, 2011 | | Latin America and the Caribbean | Research
    link_icon38Website
    El proyecto ha tenido por objeto estimar las brechas actualmente existentes en el seno de las entidades microfinancieras peruanas asociadas a ASOMIF para una efectiva adopción del nuevo marco regulatorio que próximamente será adoptado por las autoridades financieras del país en favor del uso masivo de la tecnología celular para la provisión de servicios financieros accesibles a una mayoría, hoy desatendida o subatendida, de la población peruana. Download: Spanish ...
  • Mobile Money for the Unbanked

    MMU 2011 Annual Report

    July 10, 2011 | | Global | White Paper
    pdf
    Download: English...
  • Green Power for Mobile

    GPM Bi-annual Report - July 2011

    July 1, 2011 | | Global | Presentation, Research
    pdf
    Download here...
  • Mobile Enabled Community Services

    The Rockefeller Foundation’s SPEED Project in India

    July 1, 2011 | | South Asia | Case Study, Research
    pdf
    By Zia Khan and from the Green Power for Mobile Bi-annual Report July 2011. Smart Power for Environmentally and Economically Sound Development (SPEED) is an initiative of the Rockefeller Foundation that was initiated in 2008-09 through a consortium of partners: Decentralised Energy Systems India Private Ltd (DESI Power - an India based rural electrification organization), Cleanstar Energy (an organisation involved in sustainable bio-fuels production and distribution) and the Confederation of Ind...
  • Mobile Enabled Community Services

    Community Power from Mobile - Charging Services

    July 1, 2011 | | Global | Research
    pdf
    The opportunity now exists for mobile network operators to provide electricity beyond the base station and into local communities, a phenomenon which the GSMA Mobile for Development calls “Community Power from Mobile”. Download here...
  • Mobile Enabled Community Services

    Community Power from Mobile: The Ecology Foundation

    July 1, 2011 | | Global | Research
    pdf
    By Declan Murphy and from the Green Power for Mobile Bi-Annual Report July 2011. Affordable electric power is the underlying currency of all global society. Delivering electric power to off-grid rural communities is a challenge well under way in developing countries. Many approaches are being tried, but the most pragmatic is to use existing infrastructures to facilitate power generation in communities. Download here...
  • Mobile Enabled Community Services

    Energize the Chain Initiative

    July 1, 2011 | | Global | Research
    pdf
    By Dr. Harvey Rubin and Judah Levine, from the Green Power for Mobile Bi-Annual Report July 2011. People living in the rural regions of developing countries are often deprived of local healthcare facility access. With more than 2 million persons13 dying each year from the unavailability of vaccines, local solutions to ensure vaccines are available and efficient in rural and off-grid regions have to be developed. Download here...
  • Green Power for Mobile

    Green Power for Mobile Charging Choices 2011: Mobile Phone Charging Solutions in the Developing World

    July 1, 2011 | | Global | White Paper
    pdf
    As the rate of mobile subscriptions surges in developing countries, mobile phones are becoming a vital tool for empowering remote communities. However, several barriers remain which inhibits full adoption in rural regions. Coupled with the economic factor linked to the Total Cost of Ownership (TCO) of mobile handsets, the energy factor remains one of the top issues for mobile subscribers. Download here...
  • Green Power for Mobile

    Green Power for Mobile's Interactive Replication Guide

    July 1, 2011 | | Global | White Paper, Research
    pdf
    This interactive guide is intended to assist Mobile Network Operators navigate through the decision making process of determining if a site is a suitable candidate for renewable energy deployment. Download here...
  • Mobile Enabled Community Services

    Healthcare Opportunity from Community Power from Mobile

    July 1, 2011 | | Global | White Paper, Research
    pdf
    From Community Power for Mobile Charging Services. We have all heard statistics concerning vaccine preventable deaths – over two million each year – in developing countries. Although shortage of vaccines may be one key reason, another is that many vaccines must be kept at a prescribed temperature to maintain their potency. Download here...
  • Green Power for Mobile

    Banglalink - Bangladesh - Feasibility Study

    July 1, 2011 | | South Asia | Case Study
    pdf
    The GSMA’s Green Power for Mobile (GPM) programme worked with Banglalink to analyse the entire Banglalink network, which consists of 4760 base stations, to identify specific solutions for energy cost savings. Download here ...
  • Connected Women

    Vodafone Qatar's Al Johara: empowerment through entrepreneurship

    June 24, 2011 | | Middle East and North Africa | Case Study
    pdf
    Empowerment through entrepreneurship, this case study examines how Vodafone created a network of female sales agents who sell to other women whilst working within appropriate Qatari cultural norms. Download here...
  • Mobile Money for the Unbanked

    On harnessing the potential of financial inclusion

    June 14, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    The paper describes one commercially viable initiative in more detail, M-PESA in Kenya, and analyses in detail the transactions involved. It argues that in order to harness the potential of financial inclusion it is vital to permit experimentation with different business models. Regulation is therefore required that enables such experimentation by being calibrated to the type of service offered, but which can be tightened if and when such schemes become bigger with the potential to impact financ...
  • Mobile Money for the Unbanked

    An Emerging Platform: From Money Transfer System to Mobile Money Ecosystem

    June 2, 2011 | | Sub-Saharan Africa | Case Study, Research
    pdf
    By Jake Kendall, Philip Machoka, Clara Veniard, and Bill Maurer. While it has often been described as a money transfer product, when mobile money reaches scale it can also be seen as a network infrastructure and platform facilitating the exchange of cash and electronic value between various economic actors including clients, businesses, the government, and financial service providers. In this paper, we document what may be the early stages of just such a transformation in the market for retail f...
  • mAgri

    mAgri Programme Case Study - IKSL, India

    June 1, 2011 | | South Asia | Case Study
    pdf
    IFFCO Kisan Sanchar Limited (IKSL) is a tri-lateral joint venture between the Indian Farmers Fertiliser Cooperative Ltd (IFFCO), the largest farmers’ cooperative in India and airtel, the largest mobile network operator, along with Star Global Resources Limited, rural telephony experts who acquired 25% shares. IKSL provides voice-based agricultural information to empower rural farmers and reinforce the cooperative through the mobile network. After a successful pilot, the service launched in 200...
  • mAgri

    mAgri Programme Case Study - M-Kilimo

    June 1, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    In 2009 the GSMA Mobile for Development set up a farmer helpline, M-Kilimo, in Kenya with support from the Rockefeller Foundation. M-Kilimo (‘M-Agriculture’ in Swahili) is a farmer helpline where farmers can call agricultural experts to deal with their queries. The aim of the project was to test and prove the viability of agricultural value added services (Agri VAS). KenCall, the largest business process outsourcing (BPO) company in East Africa with significant experience of providing inform...
  • Mobile Money for the Unbanked

    Putting the Banking in Branchless Banking: Regulation and the Case for Interest-Bearing and Insured E‑money Savings Accounts

    May 25, 2011 | | Global
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    The Mobile Financial Services Development Report 2011

    May 17, 2011 | | Global | Research
    pdf
    Providing a comprehensive analysis of more than 100 variables across 20 countries in Africa, Latin America and Asia, the aim of the report is to build consensus on which drivers are the most important and how they should be measured. It proposes a taxonomy and analytic tool for further analysis. Download: English ...
  • Mobile Money for the Unbanked

    ICT, Financial Inclusion, and Growth: Evidence from African Countries

    May 16, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    This paper studies the impact of information and communication technologies (ICT), especially mobile phone rollout, on economic growth in a sample of African countries from 1988 to 2007. Further, it investigates whether financial inclusion is one of the channels through which mobile phone development influences economic growth. Download: English ...
  • Mobile for Employment

    mLearning - eLearning Africa Presentation

    May 1, 2011 | | Sub-Saharan Africa | Presentation
    pdf
    As of 2007, there were more mobile users in the developing than the developed world. How can we leverage this opportunity? The Mobile for Development accelerates economic, environmental and social evolution through mobile technology. The provision of relevant, scalable mobile services to those in the developing world tangibly improves lives. We are proof that doing good is good business. Download here...
  • Connected Women

    Policy Recommendations to Address the Mobile Phone Gender Gap

    May 1, 2011 | | Global | White Paper
    pdf
    This paper summarises the GSMA mWomen recommendations for policymakers. Governments and policy makers have a critical role to play in empowering women through mobile technology and are a pivotal part of the ecosystem required for reducing the mobile phone gender gap in developing countries. Women’s empowerment is crucial for a country’s economic growth and development, mobile technology can contribute this in line with the Millennium Development Goals. Download here...
  • Mobile Money for the Unbanked

    Mobile Money Use in Uganda: A Preliminary Study

    April 6, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    By Ali Ndiwalana, Olga Morawczynski, and Oliver Popov. Study of mobile money users in Uganda across 3 MNOs. Besides understanding current usage of mobile money, explores different daily financial transactions of respondents. Download: English...
  • Mobile Money for the Unbanked

    Mobile Money Transfers and Usage among Micro- and Small Businesses in Tanzania

    April 6, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    By Lennart Bångens & Björn Söderberg. This paper is the result of an effort to analyse how, and to what extent, financial transactions over mobile networks are being used by micro- and small-sized enterprises (MSEs) in Tanzania for business purposes. Download: English ...
  • Disaster Response

    Disaster Relief 2.0: the future of information sharing in humanitarian emergencies

    April 4, 2011 | | Global | Research
    pdf
    From the Harvard Humanitarian Initiative. This report is a snapshot of an ongoing discussion—a dialogue that the partners to this report wish to extend and continue. Download here...
  • Green Power for Mobile

    Telecel - Zimbabwe - Feasibility Study

    April 1, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    Telecel Zimbabwe has a small network consisting of only 290 BTS sites covering the most inhabited areas, and the roads that transverse the country. Zimbabwe has a good commercial power network, although daily outages are common place. Most sites are relatively close to a commercial power connection, at a relatively low cost. Download here...
  • Mobile Money for the Unbanked

    Mobile Money Definitions

    April 1, 2011 | | Global | Research
    pdf
    Download: French | Spanish | English ...
  • Mobile Enabled Community Services

    Kapil Sibal inaugurates Viom Networks’ Rural Service Centre

    March 28, 2011 | | South Asia | Research
    pdf
    From the Green Power for Mobile Bi-annual Report July 2011.The Hon’ble Minister of Communications & Information Technology, Mr. Kapil Sibal, today inaugurated the model Rural Service Centre (RSC) of Viom Networks, India’s leading independent telecom infrastructure company. Download here...
  • Mobile Money for the Unbanked

    Case Study: UBL Pakistan Supports Cash Transfer Payments

    March 21, 2011 | | South Asia | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Agent Management Toolkit: Building a Viable Network of Branchless Banking Agents

    March 16, 2011 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Insurance & Technology to Better Serve Emerging Consumers

    March 16, 2011 | | Global | White Paper
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Diary of A Mobile Money Program (Haiti) e-Book One: From Planning Phase to Pilot Launch

    March 11, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    Download: English...
  • Mobile Money for the Unbanked

    Driving customer usage of mobile money for the unbanked

    March 7, 2011 | | Global | Research
    pdf
    Download: English...
  • Mobile Money for the Unbanked

    Mapping and Effectively Structuring Operator-Bank Relationships to Offer Mobile Money for the Unbanked

    March 7, 2011 | | Global | White Paper
    pdf
    Download: English ...
  • Green Power for Mobile

    Azercell - Azerbaijan - Feasibility Study

    March 2, 2011 | | Europe and Central Asia | Case Study
    pdf
    In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the GPM team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Azerbaijan, and identified those that are most suitable for green power solutions. Download here...
  • Green Power for Mobile

    Ncell - Nepal - Feasibility Study

    March 2, 2011 | | South Asia | Case Study
    pdf
    In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the GPM team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Nepal and identified those that are most suitable for green power solutions.  Download here...
  • Green Power for Mobile

    Tcell - Tajikistan - Feasibility Study

    March 2, 2011 | | Europe and Central Asia | Case Study
    pdf
    In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the GPM team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Tajikistan and identified those that are most suitable for green power solutions.  Download here...
  • Green Power for Mobile

    TeliaSonera - Feasibility Study

    March 2, 2011 | | Europe and Central Asia | Case Study
    pdf
    In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the Green Power for Mobile (GPM) team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Nepal, Tajikistan and Azerbaijan, and identified those that are most suitable for green power solutions. Download here...
  • mHealth

    Mobile Health in the Pharmaceutical Industry

    March 1, 2011 | | Global | White Paper
    pdf
    This overview examines the extent to which mobile applications can support the pharmaceutical sector. It will examine why these applications have largely not been driven by the mobile industry, and identifies the potential role for MNOs if they want to take on a larger portion of this sector. Download here...
  • mHealth

    Mobile Health in the Health Insurance Industry

    March 1, 2011 | | Global | White Paper
    pdf
    This overview examines the extent to which mobile applications can support the health insurer sector. It will examine why these applications have largely not been driven by the mobile industry, and identifies the potential role for MNOs if they want to take on a larger portion of this sector. Download here...
  • Green Power for Mobile

    Telecel - Central African Republic - Feasibility Study

    March 1, 2011 | | Sub-Saharan Africa | Case Study
    pdf
    The country has abundant hydroelectric resources that provide reliable and inexpensive power to the capital city. About 80 percent of the CAR's electricity is provided by hydroelectricity, most of which is generated north of Bangui, with fossil fuels providing the rest. Download here...
  • Green Power for Mobile

    Telefónica - South America - Feasibility Studies

    March 1, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    The GSMA conducted a six country study for Telefónica in South America. The countries covered by this study were Argentina, Chile, Colombia, Mexico, Nicaragua, and Venezuela. Download here...
  • Mobile Money for the Unbanked

    Beyond Payments – Next Generation Mobile Banking for the Masses

    February 16, 2011 | | Global
    pdf
    Download: English ...
  • mHealth

    Policy and Regulation for Innovation in Mobile Health

    February 11, 2011 | | Global | Research, White Paper
    pdf
    As healthcare systems around the world tackle the challenges of rising demand and expectations, mobile communications are opening up new possibilities for improving access, for freeing time for clinicians to spend on care rather than administration, and for engaging people in their own health and wellness. Download here...
  • Mobile Money for the Unbanked

    Regulatory Impact on Business Model Choice

    February 11, 2011 | | Global | White Paper
    pdf
    Gives an overview of which business models are a given option for the individual mobile operator depending on the regulatory situation in the country of interest. Download: English ...
  • Mobile Money for the Unbanked

    M-Banking: Oportunidades y barreras para el desarollo de servicios financieros en America Latina

    February 11, 2011 | | Latin America and the Caribbean | Research
    pdf
    By Álvaro Martín Enríquez, Santiago Fernández de Lis, Verónica López Sabater and Ignacio Rodríguez Téubal. This report investigates emerging models and trajectories of development in m-payments and m-banking in the Latin American context. Download: Spanish...
  • Mobile Money for the Unbanked

    Half the World is Unbanked

    February 10, 2011 | | Global | White Paper
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Financial Education: A Bridge between Branchless Banking and Low-Income Clients

    February 10, 2011 | | Global | Research
    link_icon38Website
    Download: English...
  • Mobile Money for the Unbanked

    Branchless Banking Agents in Brazil: Building Viable Networks

    February 10, 2011 | | Latin America and the Caribbean | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Building, Incentivising and Managing a Network of Mobile Money Agents: A Handbook for Mobile Network Operators

    February 10, 2011 | | Global | Research
    pdf
    Download: French | Spanish | English ...
  • Mobile Money for the Unbanked

    Bridging the Cash: The Retail End of M-PESA

    February 10, 2011 | | Sub-Saharan Africa | Case Study, Research
    pdf
    Download: English...
  • Mobile Money for the Unbanked

    The Economics of M-PESA: An Update

    February 10, 2011 | | Sub-Saharan Africa | Research
    pdf
    By William Jack and Tavneet Suri. Download: English ...
  • Mobile Money for the Unbanked

    Window on the Unbanked: Mobile Money in the Philippines

    February 10, 2011 | | East Asia and Pacific | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Nonbank E-Money Issuers: Regulatory Approaches to Protecting Customer Funds

    February 10, 2011 | | Global | Research, White Paper
    pdf
    Download: English ...
  • mHealth

    Mobile Health: Who Pays?

    February 8, 2011 | | Global | Research
    pdf
    Published by GSMA & ATKearney. Mobile Health is big news in the telecoms industry. Although there is little consensus on the size, or even scope, of the global market for mobile health, several sources predict a market in the United States on the order of 4.5 billion dollars within the next two to three years. Download here...
  • Mobile Money for the Unbanked

    Migration and Remittances Fact Book 2011

    December 16, 2010 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Is there Really any Money in Mobile Money?

    December 9, 2010 | | Global | White Paper
    pdf
    Download: French | English ...
  • Green Power for Mobile

    Mobinil - Egypt - Feasibility Study

    December 1, 2010 | | Middle East and North Africa | Case Study
    pdf
    Mobinil has a large network consisting of nearly 5000 sites covering the most inhabited areas, and the roads that transverse the country. Egypt has a good commercial power supply in most inhabited areas, but many of the Mobinil sites are in remote areas covering the large road network, and these sites have no access to commercial power. Download here...
  • Green Power for Mobile

    GPM Bi-annual Report - November 2010

    November 1, 2010 | | Global | Presentation, Research
    pdf
    Download here...
  • Mobile for Employment

    mLearning A Platform for Educational Opportunities at the Base of the Pyramid

    November 1, 2010 | | Global | Research
    pdf
    We have seen over the past years how mobile is playing an increasing role in addressing development issues – such as providing access to banking, to health information, to agricultural services reaching rural farmers. Download here...
  • Green Power for Mobile

    Econet Lesotho - Lesotho - Feasibility Study

    November 1, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    The GSMA Green Power for Mobile (GPM) programme was commissioned by Econet Lesotho during Q1 2010 to complete a Feasibility Study to analyse the operator’s network and propose an implementation plan for a green power network. Download here...
  • Mobile Money for the Unbanked

    Commitments to Save: A Field Experiment in Rural Malawi

    October 16, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    By Lasse Brune, Xavier Giné, Jessica Goldberg and Dean Yang. Download: English ...
  • Mobile for Employment

    Mobile Learning Objects Deployment and Utilization in Developing Countries

    October 1, 2010 | | Global | Research
    pdf
    By Paul B. Muyinda, Jude T. Lubega, and Kathy Lynch, from the International Journal of Computing and ICT Research Special Issue. The increasing ability to access Internet via mobile devices means that learning objects can be deployed and utilized on those devices. Increasing research attention has been accorded to the design and development of reusable learning objects for tethered and mobile based learning management systems. Download here...
  • Green Power for Mobile

    Energy for the Telecom Towers: India Market Sizing and Forecasting

    September 1, 2010 | | South Asia | White Paper
    pdf
    This document presents the market opportunity for Energy Service Companies (ESCOs) and investors in India considering the outsourcing of the energy component of telecoms towers. Download here...
  • Green Power for Mobile

    Hello - Cambodia - Feasibility Study

    September 1, 2010 | | East Asia and Pacific | Case Study
    pdf
    GSMA’s Green Power for Mobile (GPM) programme worked with Hello to analyse the entire Hello network - consisting of 622 base stations - to identify specific solutions for energy cost savings.  Download here...
  • Mobile Money for the Unbanked

    The Economics of Branchless Banking

    August 1, 2010 | | Global | Research
    pdf
    Agent distribution and the economics of branchless banking is a topic of great importance. Originally published in Innovations, a quarterly journal published by MIT Press, Ignacio’s article offers a definition of branchless banking and a great deal of detail around the economic drivers. Download: English ...
  • Mobile for Employment

    Ambient Insight Mobile Learning Market 2009-2014

    June 19, 2010 | | Global | Research
    pdf
    Key findings from Ambient Insight Research Download here...
  • Mobile Money for the Unbanked

    Community Level Economic Effects of M-PESA in Kenya: Initial Findings

    June 16, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Mobile Money: Methodology for Assessing Money Laundering and Terrorist Financing Risks

    June 16, 2010 | | Global | White Paper
    pdf
    Download: French | Spanish | English ...
  • Green Power for Mobile

    GPM Bi-annual Report - June 2010

    June 1, 2010 | | Global | Presentation, Research
    pdf
    Download here...
  • Green Power for Mobile

    IFC Financial Products for Green Power

    June 1, 2010 | | Global | Research
    pdf
    By Ian Larsen, published in the GPM Bi-annual Report June 2010. In the longer term, green power has significant potential to reduce a Mobile Network Operator’s (MNO) carbon footprint and slow energy consumption growth. A reliable green power source at a Base Transceiver Station (BTS) can be a very practical component of any MNO’s current effort to expand its network into those remote areas that lack reliable grid power provision. Download here...
  • Green Power for Mobile

    HOMER Software: Training Guide for Renewable Energy Base Station Design

    May 13, 2010 | | Global | White Paper, Research
    pdf
    HOMER is a free software application developed by the National Renewable Energy Laboratory in the United States. This software application is used to design and evaluate technically and financially the options for off-grid and on-grid power systems for remote, stand-alone and distributed generation applications. It allows you to consider a large  number of technology options to account for energy resource availability and other variables. Download Here...
  • Mobile Money for the Unbanked

    International Remittance Service Providers

    May 1, 2010 | | Global | White Paper
    pdf
    An overview of mobile International Remittance Service Provider service offerings. Download: English ...
  • Green Power for Mobile

    Econet - Burundi - Feasibility Study

    May 1, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    The GSMA Mobile for Development was commissioned by Econet Wireless Burundi during March to May 2010 to complete a Green Power for Mobile Feasibility Study to analyse the operator’s network and propose a plan for a green power network. Download here...
  • Mobile for Employment

    An Exploratory Study of Unsupervised Mobile Learning in Rural India

    April 5, 2010 | | South Asia
    pdf
    Cellphones have the potential to improve education for the millions of underprivileged users in the developing world. However, mobile learning in developing countries remains under-studied. In this paper, we argue that cellphones are a perfect vehicle for making educational opportunities accessible to rural children in places and times that are more convenient than formal schooling. Download here...
  • Mobile Money for the Unbanked

    Three Keys to M-PESA’s Success: Branding, Channel Management and Pricing

    March 16, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    True Money and M-PESA: Two Unique Paths to Scale

    March 16, 2010 | | East Asia and Pacific, Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    A Penny Saved: How Do Savings Accounts Help the Poor?

    March 16, 2010 | | Global | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    It’s time to address the microsavings challenge, scalably

    March 16, 2010 | | Global | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Hand‐held Doctors and Mobile Premium Payments: How Technology can Improve Insurance for the Poor

    March 16, 2010 | | Global | Research, White Paper
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    M-Insurance: The Next Wave of Mobile Financial Services?

    March 16, 2010 | | Global | Research
    link_icon38Website
    By Jeremy Leach. Download: English...
  • Green Power for Mobile

    MTN - Uganda - Feasibility Study

    March 1, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    Download here...
  • Connected Women

    Women & Mobile: A Global Opportunity

    February 16, 2010 | | Global | Research
    pdf
    The report is the first global study of its kind. It endeavours to understand mobile usage by women subscribers in low and middle income countries and highlights the barriers facing women’s adoption of mobile technologies. It also shows that by extending the benefits of mobile phone ownership to women, a host of social and economic goals can be advanced. Key report findings include: Across all countries a woman is 21% less likely to own a mobile phone than a man. This figure increases to 23...
  • Mobile Money for the Unbanked

    Notes From The Field: The Emerging Effects of M-PESA’s Rural Outreach at the Household Level

    February 16, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Mobile Phones and Economic Development in Africa

    February 10, 2010 | | Sub-Saharan Africa | Research
    link_icon38Website
    By Jenny C. Aker and Isaac M. Mbiti. From Journal of Economic Perspectives, Volume 24, Number 3, Summer 2010, pp. 207–232. Download: English...
  • Mobile Money for the Unbanked

    Capturing the promise of mobile banking in emerging markets

    February 10, 2010 | | Global | Research
    pdf
    Download: English...
  • Mobile Money for the Unbanked

    Protecting Branchless Banking Consumers: Policy Objectives and Regulatory Options

    February 10, 2010 | | Global | Research, White Paper
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Outreach of M-PESA System in Kenya: Emerging Trends

    February 10, 2010 | | Sub-Saharan Africa | Research
    pdf
    By Sherri Haas, Megan G. Plyler, and Geetha Nagarajan. Download: English ...
  • Mobile Money for the Unbanked

    Micro e-payments and low-cost schooling in Kenya

    February 10, 2010 | | Sub-Saharan Africa | Case Study
    blogs
    Download: English ...
  • Mobile Money for the Unbanked

    Mobile Payments Go Viral: M-PESA in Kenya

    February 10, 2010 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Scaling Mobile Money

    February 10, 2010 | | Global | Research
    pdf
    By Ignacio Mas and Dan Radcliffe. Download: English...
  • Mobile Money for the Unbanked

    Branchless Banking 2010: Who’s Served? At What Price? What’s Next?

    February 10, 2010 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Reframing Microfinance: Enabling Small Savings and Payments, Everywhere

    January 16, 2010 | | Global | Research
    pdf
    Download: English ...
  • Mobile Enabled Community Services

    Third Parties Will Implement Complex Community Power Applications

    January 2, 2010 | | Global | Research
    pdf
    Published January 2010 by Sagar Gubbi. Increased market competition in high growth markets such as India has put tremendous pressure on the operating margins of mobile operators, which is driving increased popularity of the outsourced/managed services business model. Download here...
  • Green Power for Mobile

    Community Power: Using Mobile to Extend the Grid

    January 1, 2010 | | Global | White Paper
    pdf
    A significant opportunity exists to provide environmentally sustainable energy to people in the developing world who live beyond the electricity grid. And it is the mobile telecoms industry–which has already brought phones beyond the fixed telecoms grid–which holds the key to this next infrastructure innovation. Download here...
  • Mobile Money for the Unbanked

    Regulation and Supervision of Branchless Banking in Latin America

    December 11, 2009 | | Latin America and the Caribbean | Research
    link_icon38Website
    In the evolving and expanding field of branchless banking, the view from Latin America includes a wide range of country-by-country experiences. While the region is a mix of novices and market leaders, with varying degrees of penetration of financial services and differing approaches to models, the prospects are certainly promising. There is growing interest among regulators and providers across the region to increase financial access for low-income and remote users in their countries. Link: W...
  • Mobile Money for the Unbanked

    Is Mobile Banking More Hype than Reality?

    November 11, 2009 | | Global | Research
    link_icon38Website
    Branchless banking, including mobile phone banking, could be the primary channel for poor people to get basic financial services by the year 2020. So says “Scenarios for Branchless Banking in 2020, a new report from CGAP and the U.K.’s Department for International Development (DFID). The report is the product of a six month scenario-building project that engaged nearly 200 leaders from the fields of technology and finance from more than 30 countries. Link: Website...
  • Green Power for Mobile

    GPM Bi-annual Report - November 2009

    November 1, 2009 | | Global | Presentation, Research
    pdf
    Download here...
  • Mobile Enabled Community Services

    Evaluating Green Power Technologies

    November 1, 2009 | | Global | Research
    pdf
    From the Green Power for Mobile Bi-Annual Report 2009 and written by David Taverner. Download here...
  • Green Power for Mobile

    Digicel - Haiti - Feasibility Study

    November 1, 2009 | | Latin America and the Caribbean | Case Study
    pdf
    The GSMA Green Power for Mobile programme was commissioned by Digicel Haiti during Q4 2009 to complete a Feasibility Study to analyse the operator’s network and propose an implementation plan for a green power network. Download here...
  • Green Power for Mobile

    Zantel - Tanzania - Feasibility Study

    November 1, 2009 | | Sub-Saharan Africa | Case Study
    pdf
    The GSMA Green Power for Mobile (GPM) programme was commissioned by Zantel, Tanzania during Q3 2009 to complete a Feasibility Study to analyse the operator’s network and propose an implementation plan for a green power network. Download here...
  • Mobile Money for the Unbanked

    Converting cash into electronic money: A Philippines story

    November 1, 2009 | | East Asia and Pacific | Research
    link_icon38Website
    By Xavier Faz. Merchants in the Philippines are finding they have the capacity and the interest to offer financial services to consumers as a new line of business. However, in order for these new ventures to succeed, a network of providers will need to be selected, and issues such as cash management, investment levels, large loan disbursement capability, profitability, and aGlobalt network management will need to be addressed. Link: Website...
  • Digital Inclusion

    Taxation and the Growth of Mobile in East Africa

    October 16, 2009 | | Middle East and North Africa
    pdf
    Mobile communications has a profound impact of social and economic development, including: This report updates the quantification of the economic impact that the mobile industry has in each of the East Africa Community member states: Kenya, Rwanda, Tanzania and Uganda. It also assesses the taxation structure on the respective mobile industry and analyses the effects that lowering excise duties can have on the mobile industry and government tax receipts. delivers universal access deliver...
  • Mobile Money for the Unbanked

    Scenarios for Branchless Banking in 2020

    October 11, 2009 | | Global | Research, White Paper
    pdf
    By Mark Pickens, David Porteous, and Sarah Rotman. CGAP and DFID undertook a scenario-building project trying to answer the question “How can government and private sector most affect the uptake of branchless banking by 2020? Download: English ...
  • Mobile Money for the Unbanked

    Seeking Fertile Grounds for Mobile Money

    September 16, 2009 | | Global | Research
    pdf
    By Amrik Heyer and Ignacio Mas.In the wake of mobile money featuring on the cover of The Economist, many are surely asking where the next success story will come from. In this article, Ignacio Mas and Amrik Heyer analyse the environmental dynamics affecting the uptake of mobile money. The authors demonstrate that aside from strong strategy and good business models, the uptake of financial services in developing countries is dependent on the extent of market penetration and the political environm...
  • Mobile Money for the Unbanked

    A closer look at ZAP in East Africa

    September 8, 2009 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    The GSMA’s Mobile Money Business Model Framework

    September 1, 2009 | | Global | White Paper
    pdf
    Framework to help MNOs to think through what is required for a successful mobile money deployment – what are the key stages and what do they need to consider in order to achieve success? Download: English...
  • Mobile for Employment

    m4Lit - A Teen m-Novel Project in South Africa

    August 1, 2009 | | Sub-Saharan Africa | Case Study
    pdf
    By Steve Vosloo, Marion Walton & Ana Deumert. The m4Lit (mobile phones for literacy) pilot project will create a mobile novel (m-novel), published on a mobisite in English and in isiXhosa, to explore ways of supporting teen leisure reading and writing around fictional texts in South Africa, using mobile media. The story will be published serially and invite readers to interact with it as it unfolds – teens will vote on and discuss the unfolding plot, leave comments, and finally submit a w...
  • Mobile Money for the Unbanked

    Branchless Banking Regulation in Indonesia

    August 1, 2009 | | East Asia and Pacific | Case Study
    pdf
    Only 50 percent of Indonesian citizens have a bank account with a formal financial institution, according to recent World Bank estimates. However, that headline statistic conceals an important detail within the data: only 20–34 percent of rural households have access to banking services. Download: English...
  • Mobile Money for the Unbanked

    M-PESA: Connecting Urban and Rural Communities

    August 1, 2009 | | Sub-Saharan Africa | Research
    link_icon38Website
    In Kenya, there is little doubt that mobile banking has been broadly welcomed by millions of people who use their mobile phones to access financial services that previously were out of reach. However, there are surprisingly little publicly available data on how mobile banking is changing the lives of the nearly 7 million customers who together transfer nearly US$2 million a day through Kenya’s M-PESA service. Link: Website...
  • Mobile Money for the Unbanked

    Diagnostic Report on the Legal and Regulatory Environment for Branchless Banking in El Salvador

    August 1, 2009 | | Latin America and the Caribbean | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in El Salvador. Download: English...
  • Mobile Money for the Unbanked

    Branchless Banking Policy Diagnostic for Mexico

    August 1, 2009 | | Latin America and the Caribbean | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Mexico. Download: English ...
  • Mobile Money for the Unbanked

    Mobile Banking in Tanzania: Can Kenya's success be replicated next door?

    July 1, 2009 | | Sub-Saharan Africa | Case Study, Research
    link_icon38Website
    Link: Website...
  • Mobile Money for the Unbanked

    Breaking out of Branches: Continuing evolution of the Mexican banking sector

    June 1, 2009 | | Latin America and the Caribbean | Research
    link_icon38Website
    In 2008, Mexico joined an increasing number of countries that permit and regulate systems known as correspondent or branchless banking. However, in Mexico, a continuing debate over certain regulatory details could temper outreach to clients. Banks in Mexico have been using Globalts in a limited way for years, and the underlying regulatory framework has changed significantly over time. Link: Website...
  • Mobile Money for the Unbanked

    Mobile Banking: From Concept to Reality

    June 1, 2009 | | Global | Research
    link_icon38Website
    Link: Website...
  • Mobile Money for the Unbanked

    The Role of Mobile Operators in Expanding Access to Finance

    May 1, 2009 | | Global | Research, White Paper
    pdf
    Download: English ...
  • Mobile for Employment

    Environmental Factors Influence on Mobile Learning Business

    April 1, 2009 | | Global | Research
    pdf
    By Alireza Nasiri and Guishi Deng, from the American Journal of Applied Sciences. Recently, there has been growing interest in m-learning consequently emerging m-learning technology is promising technological and educational business. Nevertheless, m-learning is a new business and the different actors are still trialing by ways of a diversity of business models to overcome in able to achieve a sustainable and profitable place in this market. Download here  ...
  • Mobile for Employment

    Improving Cross-Cultural Awareness and Communication through Mobile Phones

    April 1, 2009 | | Global | Research
    pdf
    By Adele Botha, Steve Vosloo, John Kuner, and Madelein van den Berg, from International Journal of Mobile and Blended Learning. Increasingly, technology is mediating the way in which the youth around the world communicate, consume content and create meaning. As mobile communication media and the internet become more pervasive, young people from different cultures and communities are afforded more opportunities for collaboration across previously unbridgeable distances. Download here...
  • Mobile Money for the Unbanked

    South Africa: Mobile banking reaches beyond the city

    April 1, 2009 | | Sub-Saharan Africa | Research
    link_icon38Website
    Globally, there are only a few examples of successful banking services that reach poor people in remote areas. Working with the CGAP Technology Program, WIZZIT, a division of the South Africaican Bank of Athens Limited, will demonstrate how the reach of such services can be expanded with mobile technology and local aGlobalts who handle cash. Link: Website...
  • Mobile Money for the Unbanked

    Protecting the poor: A microinsurance compendium

    March 16, 2009 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Accelerating Financial Inclusion through Innovative Channels

    March 16, 2009 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    What makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania

    March 16, 2009 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Mobile Money for the Unbanked Quarterly Report 2009

    March 1, 2009 | | Global | White Paper, Presentation
    pdf
    Communicates the progress of the GSMA MMU initiative as well as provide significant research into key mobile money issues. Download: English ...
  • Mobile Money for the Unbanked

    Consumer Protection a Key Issue for Branchless Banking

    March 1, 2009 | | Global | Research
    link_icon38Website
    In recent years, a host of developing countries have issued regulations governing mobile transactions, e-money, and other aspects of branchless banking to aid in securely extending financial services to more citizens. Link: Website...
  • Mobile Money for the Unbanked

    The Key to Successful Mobile Banking Services

    February 18, 2009 | | Global | Case Study
    pdf
    A thriving network of aGlobalts is vital to the success of any branchless banking business model. However, building and sustaining an aGlobalt network has proven to be challenging for branchless banking pioneers, particularly in the mobile banking space. In a survey of two of the fastest growing mobile banking networks serving poor people – M-PESA in Kenya and G cash in the Philippines – CGAP found that providers have successfully established large agent Networks, but they continue to face d...
  • Mobile Money for the Unbanked

    What you don’t know about M-PESA

    February 11, 2009 | | Sub-Saharan Africa | Case Study
    link_icon38Website
    Link: Website...
  • Mobile Money for the Unbanked

    Financial Access 2009: Measuring Access to Financial Services around the World

    February 10, 2009 | | Global | Research, White Paper
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Mobile Phones and Financial Services in Developing Countries: A Review of Concepts, Methods, Issues, Evidence and Future Research Directions

    February 10, 2009 | | Global | Research
    pdf
    By Richard Duncombe and Richard Boateng. Download: English ...
  • Mobile Money for the Unbanked

    M-PESA: Mobile Money for the "Unbanked" - Turning Cellphones into 24-Hour Tellers in Kenya

    February 10, 2009 | | Sub-Saharan Africa | Case Study
    pdf
    By Nick Hughes and Susie Lonie. Download: English ...
  • Mobile Money for the Unbanked

    Expanding the Financial Services Frontier: Lessons from Mobile Phone Banking in Kenya

    February 10, 2009 | | Sub-Saharan Africa | Research, Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Mobile-Banking Adoption and Usage by Low-Literate, Low-Income Users in the Developing World

    February 10, 2009 | | Global | Research
    pdf
    By Indrani Medhi, Aishwarya Ratan, and Kentaro Toyama. Download: English ...
  • Mobile Money for the Unbanked

    Exploring Trust in Mobile Banking Transactions: The Case of M-PESA in Kenya

    February 10, 2009 | | Sub-Saharan Africa | Case Study
    pdf
    By Olga Morawczynski and Gianluca Miscione. Download: English ...
  • Mobile Money for the Unbanked

    The Role of Partnerships and Strategic Alliances to Promote Mobile Phone Banking at the Bottom of the Pyramid

    February 10, 2009 | | Global | Research
    pdf
    By John Owens, MicroSave Briefing Note # 68. Download: English ...
  • Mobile Money for the Unbanked

    M-Banking: The key to building credit history for the poor?

    January 4, 2009 | | Global | Research, White Paper
    pdf
    Mobile transaction data may potentially help this population establish a formal credit history, help lenders more accurately evaluate credit risk, and lead to increased access to financial services for the poor. Download: English...
  • Digital Inclusion

    Mobile infrastructure sharing report

    November 15, 2008 | | Global
    pdf
    Commercial considerations, rather than regulatory mandates, appear to be driving the increasing trend for MNOs to adopt a variety of infrastructure models. Examples of mobile network sharing can be found in both mature and developing markets, with 3G providing an added impetus to assess the commercial and regulatory viability of network sharing. Network sharing may take many forms, ranging from passive sharing of cell sites and masts to sharing of radio access networks (RANs) and other active e...
  • Mobile Money for the Unbanked

    Notes on Regulating Branchless Banking in Colombia

    November 1, 2008 | | Latin America and the Caribbean | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Colombia. Download: English ...
  • Digital Inclusion

    The Setting of Mobile Termination Rates: Best Practice in Cost Modelling

    October 16, 2008 | | Global
    pdf
    This paper serves as a guide to best practice cost modelling and how such modelling should be used to set appropriate prices for terminating calls on operators’ networks. The report sets out some of the key issues that should be considered when embarking on a cost-modelling exercise. It provides best-practice models, explanations of options available, and the different circumstances appropriate for different models. Download The setting of mobile termination rates...
  • Digital Inclusion

    Taxation and the Growth of Mobile Services in Sub-Saharan Africa

    October 16, 2008 | | Sub-Saharan Africa
    pdf
    This report estimates that, between 2000 and 2012, each dollar invested by the mobile industry will result in around $0.80 earned in tax revenues by governments. For the same period more than $70 billion in tax revenue is expected to be generated by the mobile industry however the potential tax revenues could be even greater. While the majority of African governments levy luxury taxes on air time, handsets and equipment, these taxes are borne by consumers and have a negative impact on afforda...
  • Mobile Money for the Unbanked

    Branchless Banking: Testing remote access models for Southern African countries

    August 20, 2008 | | Sub-Saharan Africa | Research, Case Study
    pdf
    Review of 30 models of remote access banking initiatives from around the world with the purpose of identifying models that might work in Southern Africa. Download: English ...
  • Mobile Money for the Unbanked

    Is m-banking advancing access to basic banking services in South Africa?

    June 1, 2008 | | Sub-Saharan Africa | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Notes on Regulating Branchless Banking in the Philippines

    May 10, 2008 | | East Asia and Pacific | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in the Phillipines. Download: English ...
  • Mobile Money for the Unbanked

    Developing Mobile Money Ecosystems

    May 1, 2008 | | Global | Research
    pdf
    Summary of May’s 2008 Mobile Money Summit in Cairo. Download: English ...
  • Mobile Money for the Unbanked

    Mobile Banking to Transform Microfinance

    May 1, 2008 | | Global | Research
    link_icon38Website
    With the right market conditions, mobile banking could reach large numbers of poor people who are outside the formal financial system, predicts a new report from CGAP, the global microfinance body. “The Early Experience with Branchless Banking” is based on the research and observations of CGAP’s work in technology and microfinance. Link: Website...
  • Mobile Money for the Unbanked

    Notes on Regulating Branchless Banking in Russia

    May 1, 2008 | | Europe and Central Asia | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Russia. Download: English ...
  • Mobile Money for the Unbanked

    Finance for All? Policies and Pitfalls in Expanding Access

    February 10, 2008 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Banking on Mobiles: Why, How, for Whom?

    February 10, 2008 | | Global | Research
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Banking through Networks of Retail Agents

    February 10, 2008 | | Global | Research, White Paper
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Surviving in the Dual System: How M-PESA is Fostering Urban-to-Rural Remittances in a Kenyan Slum

    February 10, 2008 | | Sub-Saharan Africa | Case Study
    pdf
    Download: English ...
  • Mobile Money for the Unbanked

    Notes on Regulating Branchless Banking in Brazil

    February 1, 2008 | | Latin America and the Caribbean | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2007 in Brazil. Download: English ...
  • Mobile Money for the Unbanked

    Notes on Regulating Branchless Banking in South Africa

    February 1, 2008 | | Sub-Saharan Africa | Case Study
    pdf
    The findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in South Africa. Download: English ...
  • Mobile Money for the Unbanked

    Understanding Financial Regulation And How It Works

    January 1, 2008 | | Global | Research, White Paper
    pdf
    Gives an overview of financial regulation AMC/KYC in the context of MMT English...
  • Mobile Money for the Unbanked

    Notes on Regulating Branchless Banking in India

    January 1, 2008 | | South Asia | Case Study
    pdf
    Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2007 in India. Download: English ...
  • Mobile for Employment

    Math on MXit: Using MXit as a Medium for Mathematics Education

    December 11, 2007 | | Sub-Saharan Africa | Case Study, Research
    pdf
    It is common cause that the average mathematics mark among high school learners in South Africa has declined. Traditional “math clubs” and “math extra lessons” often do not work because of a number of reasons. Download here...
  • Mobile Money for the Unbanked

    The Potential for Mobile Banking in Zambia

    November 10, 2007 | | Sub-Saharan Africa | Case Study
    pdf
    Aims to assess if the mobile phone has any additive or transformational potential in Zambia. Download: English ...
  • Mobile Money for the Unbanked

    Notes on Regulation of Branchless Banking in Kenya

    November 1, 2007 | | Sub-Saharan Africa | Case Study
    pdf
    Notes on Regulating Branchless Banking in Kenya Download: English ...
  • Mobile Money for the Unbanked

    Measuring the Potential for Mobile Phone Banking

    November 1, 2007 | | Sub-Saharan Africa | Case Study
    pdf
    This paper uses information from the FinScope™ Zambia survey to assess the extent to which mobile phones may have transformational or additive potential in Zambia. Download: English ...
  • Digital Inclusion

    Global Mobile Tax Review 2006-2007

    October 16, 2007 | | Global
    pdf
    This report builds on a 2005 report Tax and the Digital Divide and extends the benchmark of taxes levied on the ownership and use of mobile phones to 101 countries, representing about 85% of the global population. From a sample of 57 developing countries, the report finds that a 10% increase in mobile penetration leads to a 1.2% increase in the annual growth rate in GDP. It analyses the impact of reducing/removing consumer taxes on mobile services through considering the impact of tax changes...
  • Mobile Money for the Unbanked

    Mobile Banking Technology Options

    August 1, 2007 | | Global | Research, White Paper
    pdf
    An overview of the different mobile banking technology options, and their impact on the mobile banking market. Download: English ...
  • Mobile Money for the Unbanked

    The Transformational Potential of M-Transactions

    July 6, 2007 | | Global | White Paper
    pdf
    Contributes to thinking about potential social and economic impact of m-transactions, addressing some of the drivers of current activity and looking at various related policy aspect Download: English ...
  • Mobile Money for the Unbanked

    Notes on Regulation of Branchless Banking in Pakistan

    June 1, 2007 | | South Asia | Case Study
    pdf
    In Pakistan findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Pakistan. Download: English ...
  • Mobile Money for the Unbanked

    The Enabling Environment for Mobile Banking in Africa

    May 1, 2007 | | Sub-Saharan Africa | Research
    pdf
    Investigates emerging models and trajectories of development in m-payments and m-banking in the African context based in part on the analysis of circumstances in Kenya and South Africa. Download: English ...
  • Green Power for Mobile

    MTC Namibia - Case Study

    April 1, 2007 | | Sub-Saharan Africa | Case Study
    pdf
    One of the greatest challenges facing GSM operators in emerging markets is the demand for network expansion in an environment where there is limited or no access to the electricity grid for base station power. Download here...
  • Green Power for Mobile

    IDEA Cellular India

    January 1, 2007 | | South Asia | Case Study
    pdf
    A key reason why many regions of the world lack GSM coverage is the limited reach of the electricity grid. In Nigeria for example only 25% of base stations are connected to ‘the grid’ which means Operators have to solve the power issue themselves in order to extend coverage to remote parts of the world. As a result, Africa alone consumes over 30 million litres of diesel per annum powering base stations (an average of 18,000 litres per base station per year). Download here...
  • Digital Inclusion

    Regulation and the Digital Divide

    October 16, 2006 | | Global
    pdf
    This report examines the impact of regulation on the development of the sector, looking specifically at the sub-Saharan region of Africa, and identifies the key elements required for a best practice regulatory environment. Specific recommendations in the report include: For governments: Establish a Telecommunications Act that enshrines the principles of fair competition, regulatory independence and reflects long term policy goals, linked to national, social and economic development targe...
  • Digital Inclusion

    Universal Access – How Mobile Can Bring Communications to All

    October 16, 2006 | | Global
    pdf
    This report examines how Universal Service Funds are currently meeting their objectives and what role mobile plays in delivering universal service and access. The report makes recommendations that governments regard market forces as the primary means to extend access and connections to mobile communications. Universal service funds should play a secondary, ‘last resort’ role in the provision of access to communications. Universal Access: How mobile can bring communications to all Unive...
  • Mobile Money for the Unbanked

    Mobile Banking: Implementation Choices

    October 1, 2006 | | Global | White Paper
    pdf
    Basic criteria for whether and how to establish a mobile banking business. Download: English ...
  • Mobile Money for the Unbanked

    Banking & the Last Mile: Technology and the Agent Networks of financial services in developing countries

    May 30, 2006 | | Global | Presentation, Research
    pdf
    How is technology changing the last mile for banking? Will this happen spontaneously? Can developing countries leapfrog? Download: English ...
  • Mobile for Employment

    Low key mlearning - a realistic introduction of mlearning to developing

    January 1, 2005 | | Sub-Saharan Africa | Case Study
    pdf
    By Ken Masters, Faculty of Health Sciences, University of Cape Town. In August 2004, the Faculty of Health Sciences (FHS) at the University of Cape Town (UCT), South Africa, recognised a need to communicate with students in ways not accommodated by current online methods. Consequently, it planned a Pilot project, to be implemented in January 2005, to examine an m-learning solution. Download here...

0 Comments