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

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Thursday 30 Jul 2020 | Ecosystem payments | English | Financial services products | Industry assets and standards | Mobile Money | Mobile Money APIs | Mobile Money Programme |

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

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Thursday 25 Jun 2020 | Ecosystem payments | English | Financial services products | Global | Global and regional studies | Mobile Money | Mobile Money Programme | 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

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Thursday 18 Jun 2020 | Ecosystem payments | English | Financial services products | Global and regional studies | Mobile Money | Mobile Money Programme | 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

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Friday 12 Jun 2020 | Ecosystem payments | English | Financial services products | Global | Global and regional studies | Interoperability | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | 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

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Friday 12 Jun 2020 | Case studies | Case study | Ecosystem payments | English | Financial services products | Global | Global and regional studies | Interoperability | Mobile Money | Mobile Money Programme | 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 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money APIs | Mobile Money Programme | 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 ...

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

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Friday 3 Apr 2020 | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | 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

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Tuesday 31 Mar 2020 | Mobile for Development | Mobile Money | Mobile Money Programme | 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

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Thursday 26 Mar 2020 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money APIs | Mobile Money Programme | 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

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Wednesday 25 Mar 2020 | Infographic | Latin America & the Caribbean | Mobile for Development | Mobile Money | Mobile Money Programme | 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

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Wednesday 25 Mar 2020 | Accelerating Digital and Financial Inclusion | AgriTech | Asia and Australia | Case study | Connected Women | Digital Inclusion | Digital Inclusion for Women | East Asia and Pacific | Ecosystem payments | Energy | English | Europe and Central Asia | Financial services products | French | Global | Global and regional studies | Infographic | international remittances | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile for Development | Mobile for Development Utilities | Mobile for Humanitarian Innovation | Mobile Money | Mobile Money for Women | Mobile Money Programme | 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

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Tuesday 17 Dec 2019 | Case studies | Case study | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | 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.

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

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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

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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.

GSMA Mobile Money Certification Principles

Documents

Monday 20 May 2019 | Digital Inclusion | Digital literacy | Digital skills | East Asia and Pacific | Ecosystem payments | English | Europe and Central Asia | Financial services products | French | Global | Guidelines | 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 | Social impact and behavioural change | South Asia | Sub-Saharan Africa | Toolkit |

The Certification comprises eight principles, which are further divided into sub-principles. This document explains the eight principles in detail.

(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 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

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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 ...