Resources from the Mobile Money Programme

This page contains all the core resources published by the GSMA Mobile Money programme.

When searching for case studies, we recommend searching by using the country name as a keyword.

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Harnessing the power of mobile money to achieve the Sustainable Development Goals

Document

Thursday 17 Oct 2019 | Digital Inclusion | Digital Inclusion for Women | Ecosystem payments | English | Financial services products | Global | international remittances | Interoperability | Mobile Health | Mobile Money | Mobile Money for Women | Mobile Money Programme | Policy and regulation | Report | Research | Resource |

This report brings together existing evidence to explore the ways in which mobile money is contributing to the digitisation of finance to achieve the Sustainable Development Goals (SDGs).

Cybersecurity – A governance framework for mobile money providers

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Wednesday 11 Sep 2019 | English | Financial services products | Global | Industry positions | Mobile access and use | Mobile internet | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Regulation | Report | State of the industry and trends |

Cybercrime has become one of the greatest challenges of the digital age. The ubiquity of technology has intensified the risk of cyberattacks, and the rise of innovative and disruptive technologies in the digital economy has heightened ...

Digital credit for mobile money providers: A guide to addressing the risks associated with digital credit services

Document

Wednesday 11 Sep 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Policy and regulation | Report | Resource |

The extensive uptake of mobile money in recent years and the subsequent creation of transactional data has spurred access to short-term loans for individuals who had been previously excluded from formal credit markets. By offering ...

Championing a unified digital Person-to-Government (P2G) payments strategy: Lessons from Orange P2G payments in Africa

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Friday 28 Jun 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Report | Resource | Sub-Saharan Africa |

We explore five mobile money operations in West and Central Africa operated by Orange (Senegal, Burkina Faso, Côte d’Ivoire, Cameroon and DRC) and propose measures to tackle a number of challenges.

(Webinar) 2018 State of the Industry Report on Mobile Money

Video

Thursday 25 Apr 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Resource | State of the industry and trends | Webinar |

Now processing over $1.3 billion a day, the mobile money industry added a record 143 million registered customers in 2018. In today’s dynamic and fast-evolving ecosystem, providers are attracting new investments and ...

The impact of data localisation requirements on the growth of mobile money-enabled remittances

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Friday 29 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | international remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Research | Resource |

In this paper, we explore the implications of data localisation rules on the mobile money business and argue that such regulatory requirements may dramatically hamper the growth of mobile money in general, and of mobile money-enabled ...

The impact of mobile money on monetary and financial stability in Sub-Saharan Africa

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Friday 29 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global and regional studies | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Research | Resource | Sub-Saharan Africa |

The extent to which mobile money impacts a country’s macroeconomic and financial sector development has not been fully examined. To address this evidence gap, and provide responses to those concerns, GSMA Mobile Money and GSMA ...

Mobile Money: Key Success Factors of a National Financial Inclusion Strategy

Document

Friday 29 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Research | Resource |

Many National Financial Inclusion Strategies (NFIS) recognise and leverage the power of digital technologies in achieving financial inclusion targets, and as more countries continue to make financial inclusion commitments, the fruits ...

Data protection in mobile money

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Thursday 28 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Resource |

This paper delves into some of the key areas of data protection affecting mobile money services. These include: Data processing, which is concerned with the lawful bases for processing of personal data; Data ...

The Mobile Money Regulatory Index

Documents

Thursday 21 Mar 2019 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Financial services products | French | Global | Middle East and North Africa | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Resource | South Asia | Sub-Saharan Africa |

In September 2018 we launched the Mobile Money Regulatory Index, an interactive tool that measures the ...

The GSMA Mobile Money Certification in 2019

Video

Tuesday 12 Mar 2019 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money Programme | Resource |

The Certification enhances consumer trust, accelerates commercial partnerships, and sets a public bar to which all providers can aspire.

Online marketplace and merchant-centric services as a driver of the platform model

Presentation

Tuesday 12 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money APIs | Mobile Money Programme | Resource |

These two reports aim to address many questions on the theme of online marketplaces and how mobile money providers can leverage them to adopt a platform-based business model. The first is a comprehensive

Mobile-enabled Economic Identities for Smallholder Farmers in Ghana

Document

Friday 8 Mar 2019 | Case studies | Digital Identity | Ghana | Mobile Money | Mobile Money Programme |

The report highlights key research findings that show how the ubiquity of mobile technology has created a platform for gathering, storing and processing data on the economic behaviours of end users, including smallholder farmers.

2018 State of the Industry Report on Mobile Money

Document

Monday 25 Feb 2019 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Financial services products | Global | Global and regional studies | international remittances | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile access and use | Mobile Money | Mobile Money APIs | Mobile Money Programme | Policy and regulation | Report | Research | Resource | Social impact and behavioural change | South Asia | State of the industry and trends | Sub-Saharan Africa | Water |

Now processing over $1.3 billion a day, the mobile money industry added a record 143 million registered customers in 2018. In a dynamic and fast-evolving ecosystem, providers are attracting new investments and forming strategic ...

Embracing payments as a platform for the future of mobile money

Document

Thursday 21 Feb 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Policy and regulation | Report | Resource |

For over a decade, mobile money has been driving financial inclusion, opening access to digital transactions and giving people the tools to better manage their financial lives. With 690 million registered accounts across 90 countries ...

Overcoming the Know Your Customer hurdle: Innovative solutions for the mobile money sector

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Thursday 31 Jan 2019 | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money Programme | Regulation | Report | Resource | Sub-Saharan Africa |

Like all financial institutions, mobile money providers have a responsibility to identify their customers and understand the risks these customers may pose before providing services.

A quick guide to the GSMA Mobile Money Certification

Documents

Thursday 6 Dec 2018 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Europe and Central Asia | Financial services products | Global | Industry assets and standards | Latin America & the Caribbean | Middle East and North Africa | Mobile access and use | Mobile for Development | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Resource | South Asia | Sub-Saharan Africa |

Read our Quick Guide to the Mobile Money Certification to understand the basics.

2018 Mobile Money Policy and Regulatory Handbook

Document

Friday 28 Sep 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile access and use | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Regulation | Resource |

In the Handbook, we explore regulatory challenges that have faced the industry since its inception, and recommend approaches key stakeholders can take towards creating an enabling environment. The Handbook also accounts for recent ...

The IPN Hub: Exploring its utility beyond pay-as-you-go solar

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Friday 28 Sep 2018 | Digital Inclusion | Ecosystem payments | Energy | English | Financial services products | Global | Industry assets and standards | Interoperability | Mobile access and use | Mobile for Development Utilities | Mobile Money | Mobile Money Programme | Report | Resource | Rwanda | Sub-Saharan Africa |

The Instant Payment Notification (IPN) Hub is an industry utility created by the GSMA to enable ...

Spotlight on mobile-enabled microinsurance

Document

Wednesday 26 Sep 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | Report | Research | Resource | State of the industry and trends |

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 ...