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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Using Mobile Technology to Improve Remittances to the Pacific

Document

Wednesday 21 Jul 2021 | Case studies | East Asia and Pacific | English | Fiji | Global and regional studies | International remittances | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Papua New Guinea | Report | Resource | samoa | Solomon Islands | Tonga | Vanuatu |

This report explores the landscape of cross-border remittances in a number of PICs. It draws on lessons from other regions to understand mobile technology's potential in promoting accessible and affordable remittances in the Pacific region.

Webinar – Mobile money profitability: Exploring current & future business models

Video

Thursday 8 Jul 2021 | Accelerating Digital and Financial Inclusion | Building the financial ecosystem | Case studies | English | Global | Global and regional studies | Industry assets and standards | Mobile access and use | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Mobile money subject | Preparedness | Presentation | Regulation | Resource | State of the industry and trends | Sub-Saharan Africa | Video | Webinar |

Watch the video and learn from the GSMA and BFA Global about the case and timeliness for a transition to a more resilient ecosystem-centric profitability model. 

Profitability 2.0: Ecosystem-driven business modelling and the future of mobile money margins

Document

Monday 29 Mar 2021 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Report | Resource |

This report demonstrates the case and timeliness for a transition to a more resilient ecosystem-centric profitability model through three stages and formulates key recommendations on opportunities and risk mitigation.

State of the Industry Report on Mobile Money 2021

Document

Wednesday 24 Mar 2021 | Building the financial ecosystem | English | Financial inclusion for farmers | Financial inclusion for women | Gender | Global | Interoperability | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Refugees and forced migrants | Report | Research | Resource | State of the industry and trends | Water |

When the COVID-19 pandemic took hold in early 2020, it quickly became clear that mobile money would have a significant role to play in delivering vital financial support and providing safe, no-contact ways to pay for food, electricity ...

Assessing mobile money consumer trends in the wake of the COVID-19 pandemic

Document

Friday 12 Mar 2021 | Bangladesh | Building the financial ecosystem | English | Global | Global and regional studies | Guatemala | India | Kenya | Mobile Money | Mobile Money Programme - filter | Mozambique | Nigeria | Pakistan | Report | Research | Resource |

This report identifies key demand-side trends on general and COVID-19-specific mobile money awareness and adoption and usage levels, including its impact on the diversification of use cases, frequency of transactions and agent interactions.

How mobile money is scaling international remittances and fostering financial resilience: Learnings from Valyou Malaysia

Document

Friday 8 Jan 2021 | Bangladesh | Building the financial ecosystem | Case studies | Case study | English | Financial inclusion for women | International remittances | Mobile Money | Mobile Money Programme - filter | Pakistan | Report | Research | Resource | South Asia |

Case study: In a three-year pilot between 2017 and 2020, mobile money provider Valyou trialled and expanded an app-based international remittance service tailored to migrant work.

Digitalising person-to-government payments

Document

Thursday 1 Oct 2020 | Building the financial ecosystem | English | Global | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Research | Resource |

Mobile technology plays a key role in the digital transformation of governments, enabling efficient delivery of government services and improved access for citizens and businesses. Digitalisation makes government services and payments ...

Why is there a need for the GSMA Mobile Money API Specification? A comparison with other industry standards

Document

Thursday 30 Jul 2020 | Building the financial ecosystem | English | Industry assets and standards | Mobile Money | Mobile Money Programme - filter |

This paper examines the different approaches mobile money providers could potentially use to deliver open APIs, and outlines the findings of analysis undertaken on the scope of the existing API standards and APIs, and how they compare with the GSMA API.

Mobile Money: Driving formalisation and building the resilience of MSMEs

Document

Thursday 25 Jun 2020 | Building the financial ecosystem | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Report | Resource |

Explore how mobile money can help informal MSMEs access financial services and overcome some of the barriers to entering the formal economy and, in turn, boost productivity, job creation and economic growth.

The causes and consequences of mobile money taxation: An examination of mobile money transaction taxes in sub-Saharan Africa

Document

Thursday 18 Jun 2020 | Building the financial ecosystem | English | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Research | Resource | Sub-Saharan Africa |

A fresh look at the subject of mobile money taxation in sub-Saharan Africa, through the lens of taxation and development. We look at what the motivating forces are for these taxes and identify some of the unintended consequences.

Many paths to mobile money interoperability: Selecting the right technical model for your market

Document

Friday 12 Jun 2020 | Building the financial ecosystem | English | Global | Global and regional studies | Interoperability | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Report | Resource |

This report presents four technical models for interoperability in mobile money markets and includes a framework for selecting the right one.

Tracking the journey towards mobile money interoperability: Emerging evidence from six markets: Tanzania, Pakistan, Madagascar, Ghana, Jordan and Uganda

Document

Friday 12 Jun 2020 | Building the financial ecosystem | Case studies | Case study | English | Global | Global and regional studies | Interoperability | Mobile Money | Mobile Money Programme - filter | Report | Research | Resource |

This report features the interoperability journeys and lessons of six countries: Tanzania, Pakistan, Madagascar, Ghana, Jordan and Uganda.

(Videocast) Mobile money API industry report: Towards seamless integrations

Video

Tuesday 2 Jun 2020 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Research | Resource | Video |

The seamless integration of third-parties with mobile money platforms is a key catalyst to achieving wider access to critical products by the underserved. Third-parties’ ability to integrate with mobile money platforms is also a first ...

Mobile money recommendations to central banks in response to COVID-19

Document

Monday 27 Apr 2020 | Bangladesh | Building the financial ecosystem | Cameroon | Democratic Republic of Congo | Disaster response | Egypt | English | Ghana | Global | Guidelines | Indonesia | Kenya | Mobile Money | Mobile Money Programme - filter | Nigeria | Pakistan | Policy and regulation | Regulation | Resource | Senegal | Uganda | Zambia |

Examines the impacts of COVID-19 on mobile money business and provides broad recommendations that could be taken to ensure business continuity and sustainability.

Mitigating common fraud risks: Best practices for the mobile money industry

Document

Friday 3 Apr 2020 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Report | Resource |

As mobile money ecosystems evolve, new fraud risks have surfaced. This paper looks at fraud typologies that significantly impact mobile money users and recommends approaches that can be used to mitigate the risks.

Demystifying regulatory concerns for the use of cloud services in mobile money

Document

Tuesday 31 Mar 2020 | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report |

Cloud services offer a number of benefits to organisations such as economies of scale, flexibility, operational efficiencies and cost-effectiveness. Globally, players in the financial services industry are now adapting their business ...

Mobile money API industry report: Towards seamless integrations

Document

Thursday 26 Mar 2020 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | Report | Research | Resource |

The seamless integration of third-parties with mobile money platforms is a key catalyst to achieving wider access to critical products by the underserved. Third-parties’ ability to integrate with mobile money platforms is also a first ...

Mobile Money Regulatory Index 2019

Document

Wednesday 25 Mar 2020 | Infographic | Latin America & the Caribbean | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report | Research | Resource | South Asia | State of the industry and trends | Sub-Saharan Africa |

The Mobile Money Regulatory Index assesses the extent to which countries’ regulatory frameworks enable widespread mobile money adoption and usage. This report accompanies the first update of the GSMA Mobile Mobiley Regulatory Index tool.

State of the Industry Report on Mobile Money 2019

Documents

Wednesday 25 Mar 2020 | Accelerating Digital and Financial Inclusion | AgriTech | Asia and Australia | Building the financial ecosystem | Case study | Connected Women | Digital Utilities | East Asia and Pacific | Energy | English | Europe and Central Asia | Financial inclusion for women | French | Gender | Global | Global and regional studies | Infographic | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile for Development | Mobile for Humanitarian Innovation | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report | Research | Resource | South Asia | Spanish | State of the industry and trends | Sub-Saharan Africa | Video |

This year’s report examines what one billion registered accounts signify for the mobile money industry, mobile money users and the future of the mobile money ecosystem; moving us a step closer to a digital future for all.

Social commerce in emerging markets: Understanding the landscapes and opportunities for mobile money

Document

Tuesday 17 Dec 2019 | Building the financial ecosystem | Case studies | Case study | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Report | Resource |

Insights on the topic of social commerce and the role that mobile money providers can play in this space. Accompanied by a set of slides, which includes a detailed landscape of leading social commerce players that are most relevant to the industry.