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Four takeaways from Unlocking Solar Capital Africa

It was great to be back at the Kigali Convention Centre for GOGLA and Solar Plaza’s Unlocking Solar Capital Africa event on 7 – 8 November 2018, just a few months after the GSMA held its Mobile 360 – Africa event there. It was the perfect setting to consider what ...

Financial Inclusion Week 2018 Twitter Chat: The power of mobile money in reaching the underserved

This blog was co-authored by Mariana Lopez and Abbie Phatty-Jobe. We were honoured to join governments, the private sector and development organisations in welcoming Financial Inclusion Week 2018 and exploring this year’s theme of ‘getting inclusion right’. Each year, ...

From pay-as-you-go solar to pay-as-you-go smartphones and cookstoves: Insights from VITALITE, Zambia

VITALITE received a grant from the GSMA Mobile for Development (M4D) Utilities Innovation Fund in October 2017 to trial smartphone and cookstove add-on products for their pay-as-you-go (PAYG) solar home systems (SHS) in Zambia. The project aims to leverage the PAYG mechanism ...

Digital identity opportunity in Ghana’s Ministry of Food and Agriculture’s Planting for Food and Jobs programme

In 2017, Ghana’s Ministry of Food and Agriculture launched an ambitious five-year policy framework to reverse the declining trends in Ghana’s agricultural sector. The policy was termed as a “clarion call on every single Ghanaian to take farming as a ...

Introducing the Mobile Money Regulatory Index

An interactive tool to measure the effectiveness of mobile money regulatory frameworks. Over the past decade, mobile money has been a driving force of financial inclusion in emerging markets. Mobile money has proven to be a safe and efficient money transfer and payments ...

The geographical expansion of the IPN Hub and its utility beyond PAYG Solar

The Instant Payment Notification (IPN) Hub is an industry utility created by the GSMA to enable ecosystem players to connect more easily to mobile money providers – bringing fundamental utility services (such as electricity, water and sanitation) to off-grid populations. The ...

Introducing the first edition of the Mobile Money Policy and Regulatory Handbook

With 690 million registered accounts worldwide, mobile money has evolved into the leading payment platform for the digital economy in many emerging markets. In our 2017 State of the Industry Report on Mobile Money, we found that mobile money services without enabling ...

Spotlight on mobile-enabled microinsurance

This is the second in a series of insight papers exploring selected topics based on the findings of the 2017 State of the Industry Report on Mobile Money. In this deep-dive, we provide an overview of the mobile-enabled microinsurance industry, as part of our mission to ...

Reflecting on World Water Week and introducing our new report on the key trends in mobile-enabled water services

This blog was co-authored by Akanksha Sharma and Michael Nique. Water scarcity is becoming the new normal. Access to freshwater is essential to life – and yet today millions around the world suffer from water scarcity. The lack of access to freshwater affects more than 40 ...

The mobile money industry’s transition to a platform-based business model

We are on the cusp of the most profound change in the mobile money business model since the service was launched over a decade ago. Processing over a billion dollars a day, mobile money has evolved into the leading digital payment service in many emerging markets. Yet, ...

Guidelines on mobile money data protection

Over the past decade, mobile money has emerged as the leading financial service in a growing number of countries, with more than one billion dollars now transacted every day. The business is also changing as it evolves into a payment platform, based, in part, on strong data ...

Pulling funds from bank accounts: best practices for mobile money providers

In our 2017 Edition of The State of The Industry report, we highlighted an increase in funds entering and leaving the mobile money system in digital form. The most pronounced change was in bank-to-mobile transactions, from 1 per cent of total transaction values in 2012 to ...

Beyond the basics: How smartphones will drive future opportunities for the mobile money industry

This is the first report in the series. Click here to read the second report. We’re pleased to release the first in a series of insight papers exploring trends in the 2017 State of the Industry Report on Mobile Money. In this deep-dive, we take a look at the narrowing gap in ...

Svadha – developing a digitally enabled sanitation ecosystem in Odisha, India

Every day in India, over 500 million people practice open defecation that could lead to adverse health implications such as diarrhoea, anaemia and stunted growth, especially amongst women and children. Apart from being a health hazard, absence of toilets means that millions ...

Our experiences from Kigali and Mobile 360 – Africa

Our Mobile for Development (M4D) Utilities team held a two-day event in Kigali, prior to also supporting Mobile 360 – Africa. The team held both a grantee workshop as well as a mobile network operator (MNO) roundtable, which included a field visit. Our grantees were excited ...

Mobile money agent networks are evolving, but not as you might expect

Our recent research on the future of agent networks explored how the composition, structure, ownership and business models of agent distribution networks are changing. Even with these changes, mostly driven by technology, we did not see any evidence that the importance of ...

A billion dollars a day: The 2018 Mobile Money Leadership Forum

For the first time, Mobile 360 – Africa took place in Kigali, Rwanda – a country fast gaining a reputation for innovative use cases for mobile money. The event brought together over 840 attendees to connect and network with the brightest industry leaders in Sub-Saharan ...

An industry approach to security guidelines for mobile money smartphone applications

Smartphone penetration is on the rise in emerging markets and can dramatically enhance the mobile money value proposition. As highlighted in the 2017 State of The Industry Report on Mobile Money, globally the percentage of providers who offer mobile money through a ...

Highlights from the Mobile Money Hackathon in Kigali

In July 2018, twelve teams from across East Africa gathered at the Impact Hub in Kigali, Rwanda, to compete in the fourth ever GSMA Mobile Money Hackathon in partnership with service providers MTN Rwanda and Airtel-Tigo and platform provider Mahindra Comviva. Previously held ...

Developing a currency exchange functionality to drive mobile money usage: a new mobile money innovation in Somaliland

GSMA’s Claire Scharwatt spoke to Telesom CEO Abdikarim Mohamed Eid about M-Exchange, Telesom’s latest mobile money innovation. . . Claire Scharwatt: ZAAD is one of the most successful mobile money services globally. Can you give us an overview of the service and share an ...