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.

Mobile Money Regulatory Index 2019

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

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

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

Document

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

Document

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

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

Document

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

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

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

Document

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

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 ...

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

Document

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 ...

Data protection in mobile money

Document

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 2018

Documents

Visit the Mobile Money Regulatory Index homepage for the latest resources and updates. [button text="Visit the homepage" ...

The GSMA Mobile Money Certification in 2019

Video

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

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

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

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

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

Document

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.

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