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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Mobile Money Operational Assessment

Document

Tuesday 23 Jun 2015 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This Operational Assessment offers a quick diagnostic of the foundations (such as distribution, organisational structure, and marketing) in a mobile money service, and is designed to identify barriers that might inhibit the growth of ...

GSMA MMU Infographic: Mobile Money in Latin America & the Caribbean

Document

Tuesday 26 May 2015 | English | Global and regional studies | Infographic | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Spanish | State of the industry and trends |

This infographic highlights the current state of mobile money availability, adoption, accessibility and usage in Latin America & the Caribbean. Download:

Mobile financial services in Latin America & the Caribbean: State of play, commercial models, and regulatory approaches

Document

Wednesday 13 May 2015 | English | Global and regional studies | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource | Spanish | State of the industry and trends |

This publication provides a snapshot of the current state of mobile financial services in Latin America and the Caribbean, analyses the commercial models being employed in different market segments, and discusses the regulatory ...

Mobile money crosses borders: New remittance models in West Africa

Document

Monday 30 Mar 2015 | Building the financial ecosystem | Case study | English | French | International remittances | Mobile Money | Mobile Money Programme - filter | Resource | Spanish | Sub-Saharan Africa |

A promising new model is emerging for cross-border remittances with mobile money as both the sending and the receiving channel. This paper draws commercial insights from two early examples in the West African Economic Monetary Union ...

State of the Industry 2014: Mobile Financial Services for the Unbanked

Document

Monday 2 Mar 2015 | English | French | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

MMU has been tracking the progress of the mobile money industry since 2011. Each year, MMU’s State of the Industry report contains key findings and insights on the growth of the industry, including mobile money, mobile insurance, ...

Sylvie: A Tigo Cash Agent in Rwanda

Video

Monday 23 Feb 2015 | Case studies | Connected Women | English | Gender | Life stories | Mobile Money | Mobile Money Programme - filter | Resource | Resource Type | Rwanda | Sub-Saharan Africa | Type | Video |

Tigo’s Cash service facilitates micro-transactions that are safe, fast, and affordable. It also transforms the lives of its many agents, enabling them to progress their careers and contribute to their families. Here, we speak to ...

Enabling Mobile Money Policies in Kenya: Fostering a Digital Financial Revolution

Document

Thursday 12 Feb 2015 | Case studies | Case study | English | Kenya | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Sub-Saharan Africa |

This case study traces the early stages of mobile money development in Kenya, from its conceptualisation to the design and codification of a suitable regulatory model, showing that by creating an enabling regulatory environment and ...

A2A Interoperability Commercial Models Toolkit – Overview

Document

Thursday 15 Jan 2015 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This presentation accompanies the ‘A2A Interoperability Commercial Models Toolkit.’ The toolkit provides a mechanism to build a simple model for interoperability of account to account (A2A) transfers between mobile money schemes. The ...

Mobile money profitability: A digital ecosystem to drive healthy margins

Document

Thursday 20 Nov 2014 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

This paper evaluates the profitability of mobile money by estimating profit margins for three different scenarios, and highlights the internal challenges mobile operators may encounter along the way. Download:

Code of Conduct for Mobile Money Providers

Document

Thursday 6 Nov 2014 | English | French | Global | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource | Spanish |

This Code of Conduct identifies principles aimed at promoting mobile money providers' adoption of consistent risk mitigation practices in certain critical areas of their business. For the mobile money sector to continue to drive the ...

Zoona – Zambia, Malawi

Document

Monday 3 Nov 2014 | Building the financial ecosystem | Case studies | Case study | English | Malawi | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa | Zambia |

Zoona - pronounced ‘Z-oh-na’ and meaning ‘it’s real’ - is the leading mobile money provider in Zambia. The company's core product is a mobile-based Zoona Account. Transactions are ...

Extending reach: Mobile money in rural areas

Document

Thursday 16 Oct 2014 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

This publication provides a snapshot of service providers that have crafted tailored strategies to drive uptake of their services in rural areas and tackle uniquely rural challenges.This is the fourth publication in a series of deeper ...

Beyond vouchers: Meeting growing demand for off-net P2P transfers

Document

Thursday 9 Oct 2014 | English | Global | Interoperability | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

This publication examines the role of vouchers in mature mobile money markets and points to the challenges providers will need to address in order to create better long- term value for their customers and meet demand for P2P ...

Setting up shop: Strategies for building effective merchant payment networks

Document

Thursday 2 Oct 2014 | Building the financial ecosystem | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

This publication addresses barriers that prevent merchant payments from scaling using mobile money and highlights some of the key tactics that mobile money providers are using to increase adoption. This is the second publication in a ...

GSMA MMU Infographic: The Kenyan Journey to Digital Financial Inclusion

Document

Monday 29 Sep 2014 | Case studies | English | Infographic | Kenya | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Sub-Saharan Africa |

This infographic highlights The Kenyan Journey to Digital Financial Inclusion, covering Outreach, Policy and Market Development activities in Kenya from 2005 to mid-2014.

Reaching half of the market: Women and mobile money

Document

Wednesday 10 Sep 2014 | Building the financial ecosystem | Connected Women | English | French | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Programme | Region | Report | Research | Resource | Resource Type | Spanish | State of the industry and trends | Type |

This publication addresses barriers that prevent women from accessing and using mobile money, and highlights some of the key tactics that mobile money providers can use to increase penetration amongst women. This is the first ...

Smartphones & Mobile Money: The Next Generation of Digital Financial Inclusion

Document

Thursday 10 Jul 2014 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

Global smartphone adoption is set to ramp up massively in the coming years, particularly in developing markets. As more unbanked consumers gain access to smartphones and mobile internet services, new opportunities for mobile financial ...

Self Assessment Risk Management – Executive Overview

Document

Monday 9 Jun 2014 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This presentation is aimed to provide senior managers and C-levels an overview of risk management in mobile money as well as an introduction to the Mobile Money Risk Toolkit.

Self Assessment Risk Management Toolkit – Summary

Document

Monday 9 Jun 2014 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This presentation outlines the scope, content and reporting functionality of the Mobile Money Risk Toolkit published June 2014.

Mobile money in Côte d’Ivoire: A turnaround story

Document

Friday 2 May 2014 | Case studies | Case study | Cote d'Ivoire | English | French | Mobile Money | Mobile Money Programme - filter | Resource | Spanish | Sub-Saharan Africa |

The story of mobile money in Côte d’Ivoire demonstrates that mobile money can be successful even in markets where it struggled initially, and that it is possible for a slow- growing mobile money service to become a ...