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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 ...

The impact of mobile money on financial sector development

An ever-increasing body of research has demonstrated the positive impact of mobile money on individuals, households and businesses. That said, the extent to which mobile money impacts a country’s macroeconomic and financial sector development has not been fully examined. In ...

Key Success Factors of a National Financial Inclusion Strategy

Governments, through National Financial Inclusion Strategies (NFIS), have the capacity to implement transformative reforms to ensure a wide availability of financial services. Today, we are glad to be launching research into the key success factors of an NFIS which ensures ...

Data protection in mobile money

Today, we’re pleased to release insights into the key areas of data protection impacting the provision of mobile money services. As the value of data continues to grow, so does the need to safeguard the use of data for the protection of the consumer, to the benefit of the ...

An analysis of the Mobile Money Regulatory Index

In September 2018 we launched the Mobile Money Regulatory Index, an interactive tool that measures the effectiveness of mobile money regulatory frameworks. Today, we are pleased to release a paper that provides a deep analysis on the findings of the Mobile Money Regulatory ...

How can mobile money providers leverage online marketplaces to embrace the ‘payments as a platform’ approach?

The mobile money industry is on the cusp of a fundamental change. Having successfully offered and scaled payments (with 272 deployments, 866 million registered customers globally, and processing over $1.3 billion dollars a day), mobile money providers are now in a position ...

Economic ID for farmers: a practical solution for cocoa farmers

In this blog, we introduce Kojo. Kojo is an archetypal smallholder cocoa farmer in Ghana, representing well over 800,000 cocoa farming families in the country.

Payments as a platform: The future of mobile money

In a previous blog, we shared our early insights into the mobile money industry’s transition towards a transformative new business model: a ‘payments as a platform’ approach that connects consumers with third-party services across a range of industries. The platform-based ...

Addressing the financial services needs of MSMEs in Sub-Saharan Africa

Opportunity presented by Enterprise customers In a previous blog, we highlighted how mobile money still remains largely focused on individual customers with over 99% of registered accounts owned by individuals. However, Enterprise customers represent a large and untapped ...

Mobile for Development (M4D) Utilities – meet us at MWC Barcelona 2019!

The biggest annual event in the mobile industry is less than three weeks away. Join the Mobile for Development Utilities team from 25 to 28 February at MWC Barcelona 2019! To help you navigate our activities during this packed week, we thought we’d put together a short blog ...

Innovative solutions to Know Your Customer (KYC) regulations in emerging markets

The impact of mobile money in expanding financial inclusion is well-proven, with 272 deployments in 90 countries.  The Global Findex illustrates how mobile money is shaping the payments landscape, with 21 per cent of adults in Sub-Saharan Africa holding a mobile money ...

Mobile money transaction fees and utility bill payments in emerging markets

According to the GSMA 2017 State of the Industry Report on Mobile Money, Sub-Saharan Africa alone has 135 live mobile money services processing $19.9 billion transactions in value per year. The growth and increased sophistication of mobile money ecosystems across the globe ...