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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The Mobile Money Regulatory Index

Document

Tuesday 19 Oct 2021 | Case study | English | Global | Mobile access and use | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Mobile money subject | Report | Resource |

The mobile money regulatory index is a tool that measures the extent to which a country’s regulations provide an enabling framework for sustainable mobile money services. This tool was developed owing to the dearth of available indices ...

Partnership models for money-enabled insurance

Document

Friday 15 Oct 2021 | Accelerating Digital and Financial Inclusion | English | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Mobile money subject | Report | Resource |

Gain an insight on mobile-enabled insurance and learn about the many benefits of mobile money and insurance provider partnerships.

Mobile Money API Industry Report: The challenges of seamless integration

Document

Thursday 14 Oct 2021 | Accelerating Digital and Financial Inclusion | Building the financial ecosystem | English | Global | Global and regional studies | Industry assets and standards | MNOs' operational and strategic issues | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Report | Resource |

Learn about commercial models, integration challenges and ways in which Open API strategies for seamless partner integrations can be improved.

The Mobile Money Prevalence Index (MMPI): A Country-Level Indicator for Assessing the Adoption, Activity and Accessibility of Mobile Money

Document

Wednesday 15 Sep 2021 | Accelerating Digital and Financial Inclusion | Building the financial ecosystem | Financial inclusion for women | Global | Global and regional studies | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Research | Resource | State of the industry and trends |

Since the launch of mobile money in the 2000s, the GSMA has received hundreds of requests for country-level insights into the industry. These requests have come from multilateral institutions, national and regional central banks, ...

The GSMA Mobile Money Certification

Video

Wednesday 1 Sep 2021 | Accelerating Digital and Financial Inclusion | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Resource | Video |

The GSMA Mobile Money Certification is a global initiative to bring safer and resilient financial services to millions of customers around the world.

Using Mobile Technology to Improve Remittances to the Pacific

Document

Wednesday 21 Jul 2021 | Case studies | Central Insights Unit | 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. 

Mobile Money Remittances: Supporting Lives During a Crisis

Document

Wednesday 7 Jul 2021 | Accelerating Digital and Financial Inclusion | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report |

The Impact of COVID-19 Regulatory Measures on Mobile Money Services

Document

Thursday 1 Jul 2021 | Accelerating Digital and Financial Inclusion | Case studies | Case study | English | Ghana | Kenya | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report | Rwanda | Sub-Saharan Africa | Zambia |

The COVID-19 pandemic has affected almost every sector globally, significantly reducing consumer demand for products and services. Governments worldwide have allocated more than $13 trillion to counter these devastating economic ...

The GSMA Mobile Money API as an enabler for Sustainable Development Goals

Document

Tuesday 13 Apr 2021 | Accelerating Digital and Financial Inclusion | Building the financial ecosystem | English | Financial inclusion for farmers | Financial inclusion for women | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Resource |

Mobile money is a rapidly growing sector of the financial services industry across developing markets, reaching many people who do not have access to other financial services.

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.