Mobile for Development Blog

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Cybersecurity: A governance framework for mobile money providers

The GSMA Mobile Money team, at the Mobile 360 – Africa regional event, held a side session on ‘Cybersecurity and cross border data flows in the mobile industry.’ The session was well attended with representatives from the industry, regulators and policy makers. The ...

How to combine monitoring, evaluation and learning data in commercial product development

What is our MEL framework? In the early phases of service design, the key objective is to identify the myriad of challenges (pain points) that various stakeholders experience, including farmers and other actors in the value chain (field clerks, agribusiness office staff, ...

Digital identity opportunity in mobile-enabled social benefits programmes

Mobile technologies offer SCT and similar social benefits programmes a way to greatly reduce operational costs, so that donor funds can more effectively reach a larger number of beneficiaries. Here are two areas where adoption of mobile technology in social programmes can be ...

Accelerating PAYG utilities in five markets through the IPN Hub

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

The pivotal role of mobile money agents in driving financial inclusion

For more than a decade agent distribution networks have been at the heart of successful mobile money services. Responsible for converting physical cash to digital value, and performing crucial tasks such as on-boarding, supporting and educating millions of customers on a ...

Mobile money adoption strategies for start-ups in emerging markets

With more than 866 million registered mobile money accounts globally and $1.3 billion processed daily, mobile money serves as a critical infrastructure for start-ups looking to increase digital payment adoption among their customers. Inspired by this, the GSMA Ecosystem ...

Improving utility services through partnerships and digitisation: Learnings from our Mobile Operator Roundtable

On 15 July, ahead of the GSMA’s Mobile 360 – Africa event in Kigali, the Mobile for Development (M4D) Utilities programme hosted a roundtable with over 20 participants representing 10 organisations, including mobile operators and utility providers of energy, water and ...

1Service: Digitising bill payments for piped water users in peri-urban Bangladesh

With an area of 32 square kilometres and population of 153,000, Satkhira Municipality is one of the oldest local government institutions in the Southern part of Bangladesh, established in 1869. Situated in the Ganges-Brahmaputra-Meghna delta, the southwest coastal region of ...

A spotlight on Libra – Part I: Assessing the true potential of Libra’s financial inclusion objectives

In June 2019, Facebook announced the launch of Libra, a digital currency based on a new decentralised blockchain, backed by a reserve of real fiat currencies guaranteeing built-in low volatility. In this first blog of a series exploring Libra, we will assess Libra’s ...

The GSMA Mobile Money Certification: a global tool to counter “de-risking”

At both the macro and micro level, the social and economic impact of international remittances in developing countries is well documented. In 2018, the value of global remittance flows increased to $689 billion, of which $529 billion was to developing countries. In 2019, ...

Highlights from the 2019 Mobile Money Leadership Forum

The GSMA Mobile Money team were delighted to return to Kigali, Rwanda’s bustling capital, for the 2019 Mobile 360 – Africa event, which convened a record-breaking 1000 delegates from 59 countries. Mobile money and financial inclusion were prominent themes throughout the ...

Sub-Saharan Africa: The enduring epicentre of mobile money – Part 2

This blog is the second in a two-part series on the State of Mobile Money in Sub-Saharan Africa. In our last post, we explored mobile money as the driving force for financial inclusion in Sub-Saharan Africa, and the increasing digitisation of use cases across different ...

Why off-grid energy providers are increasingly paying attention to urban areas – insights from the DRC and beyond

On 2 and 3 July, the GSMA Mobile for Development (M4D) Utilities team was pleased to join several pay-as-you-go (PAYG) service providers, donors, mobile operators, and investors in Kinshasa for a conference entitled, ‘The Renewable Energy Investment Opportunity in the ...

Sub-Saharan Africa: The enduring epicentre of mobile money – Part 1

This blog is the first in a two-part series on the State of Mobile Money in Sub-Saharan Africa. Earlier this year, we published our annual State of the Industry Report on Mobile Money, which revealed that most growth in mobile money accounts came from Asia, with 90 million ...

How regulators are working towards an enabling framework for mobile money in Vietnam: Learnings from the mobile money capacity building workshop

The GSMA Mobile Money team recently conducted a Capacity Building workshop on ‘Mobile money for promoting financial inclusion’ in Hanoi, Vietnam. The workshop was well attended with 150+ representatives from the Ministry of Information and Communication (MIC), Vietnam ...

Mobile money: promoting the use of faster, safer and cheaper international remittances

The International Day of Family Remittances (IDFR) is a globally recognised observance adopted by the United Nationals General Assembly, which celebrates the pivotal role of remittances in improving the lives of millions of migrants and their families. GSMA Mobile Money has ...

Svadha – an ecommerce platform for sanitation solutions in India

In October 2014, the Prime Minister of India launched an ambitious national sanitation programme that aims to eliminate open defecation by 2019. The Swachh Bharat Mission (SBM) has received unprecedented political support and mobilised $25 billion from government, the ...

How do mobile money-enabled remittances contribute to achieving the SDGs?

With over 866 million registered accounts across 90 countries globally, mobile money is ideally placed to accelerate the formalisation, accessibility and affordability of international remittances. Today mobile money has evolved into a sophisticated value proposition that is ...

West Africa: Has the growth potential been tapped for pay-as-you-go utilities?

Last month, I travelled to five different countries in West Africa (Ghana, Nigeria, Côte d’Ivoire, Senegal and Benin) to support partnerships between pay-as-you-go (PAYG) Solar Home Systems (SHSs) and other utility providers and the mobile industry. An important way ...

What’s the impact of data localisation requirements on mobile money-enabled remittances?

Recently, a growing number of emerging economies have adopted data localisation requirements as part of their efforts to regulate cross-border data flows. This is the case for example in China, India, Nigeria, Russia, Rwanda and Vietnam. Cross-border data flows are critical ...