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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Enabling Mobile Money Policies in the Democratic Republic of Congo

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Thursday 10 Apr 2014 | Case studies | Case study | Democratic Republic of Congo | English | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Spanish | Sub-Saharan Africa |

This case provides important lessons for regulators including the importance of: leadership and pragmatism in making the policy-making process effective; engaging other government agencies and all relevant private sector players in the ...

Kopo Kopo – Kenya

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Friday 4 Apr 2014 | Building the financial ecosystem | Case studies | Case study | English | Global | Kenya | Mobile Money | Mobile Money Programme - filter | Resource |

Enabling Mobile Money Policies in Tanzania

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Thursday 20 Mar 2014 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Spanish | Sub-Saharan Africa | Tanzania |

Tanzania is a mobile money and digital financial inclusion success story. This case study showcases this journey that has produced a number of lessons for policymaking and regulatory authorities, as well as for the ...

GSMA MMU Infographic: Mobile Money in Tanzania

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Thursday 20 Mar 2014 | Case studies | English | Infographic | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Spanish | Sub-Saharan Africa | Tanzania |

This infographic highlights Mobile Money in Tanzania. Download: English |

Results from State of the Industry 2013: Mobile Financial Services for the Unbanked – Presentation Slides

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Tuesday 11 Mar 2014 | Building the financial ecosystem | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Presentation | Resource | State of the industry and trends |

On February 24th at Mobile World Congress, the Mobile Money for the Unbanked team presented an overview of the results of the 2013 State of the Industry Report. View and download the presentation slides here.

A2A Interoperability: Making Mobile Money Schemes Interoperate

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Thursday 6 Mar 2014 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | Research | Resource |

Interoperability in the context of mobile money can mean many different things, but one of the most often cited use cases is for Mobile Money Operators (MMOs) to provide the ability for customers to undertake money transfers between ...

Promising starts in mobile microinsurance: Tigo Senegal & Telenor Pakistan

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Monday 3 Mar 2014 | Building the financial ecosystem | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Pakistan | Resource | Senegal | South Asia | Spanish | Sub-Saharan Africa |

The poor in developing countries are disproportionately impacted by financial shocks and lack financial safety nets to cope with crises. An unexpected shock, such as a medical emergency or the death of a breadwinner, can confine a ...

State of the Industry 2013: Mobile Financial Services for the Unbanked

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Monday 24 Feb 2014 | Building the financial ecosystem | 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 for the past few years. Each year, MMU’s State of the Industry report contains key findings and insights on the growth of the sector. This year, for the first time, the ...

Mobile Money: the Opportunity for India – MMAI & GSMA Submission to the Reserve Bank of India (RBI)

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Thursday 14 Nov 2013 | Case studies | English | India | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource | South Asia |

The Mobile Money Association of India (MMAI) and the GSMA are submitting this position paper to the Reserve Bank of India (RBI) Committee on Comprehensive Financial Services for Small Businesses and Low-Income Households to provide ...

Mobile Money for the Unbanked Case Studies: Insights, best practices and lessons from across the globe – Zimbabwe, Pakistan and Somaliland, Indonesia, Sri Lanka

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Thursday 31 Oct 2013 | Case studies | Case study | English | Global | Mobile Money | Mobile Money Programme - filter | Resource |

A compendium of case studies from the Mobile Money for the Unbanked Programme, discussing in detail many of the success stories and innovations from the mobile money industry.

KPIs in Mobile Money: A Reference Guide

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Monday 21 Oct 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Presentation | Resource |

This presentation aims to address this question through defining a KPI, identifying pitfalls in creating KPIs and illustrating some examples of effective KPIs for mobile money teams. While these examples are not exhaustive, they ...

Implementing mobile money interoperability in Indonesia

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Monday 14 Oct 2013 | Case study | East Asia and Pacific | English | Indonesia | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | Resource | Spanish |

In this case study, MMU provides a snapshot of the implementation of mobile money interoperability in Indonesia--specifically, how it came to be that three independent mobile operators worked together to make real-time transfers across ...

Getting the Most Out of Your Data – Segmenting Your Mobile Money Customer Base to Drive Usage

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Thursday 25 Jul 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Presentation | Resource | Spanish | Toolkit |

This presentation will provide new tools for operators to drive regular usage by segmenting their mobile money customer base. Download:

Enabling Mobile Money Policies in Sri Lanka: The Rise of eZ Cash

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Thursday 18 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | South Asia | Sri Lanka |

For the Central Bank of Sri Lanka (CBSL), 2012 was the culmination of a 5-year effort to establish an enabling regulatory framework for mobile money that opened the market to both bank and non-bank providers and extended services to ...

GSMA MMU Infographic: The Rise of eZ Cash – Sri Lanka

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Thursday 18 Jul 2013 | Case studies | English | Infographic | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | South Asia | Sri Lanka |

This infographic highlights The Rise of eZ Cash in Sri Lanka from 2005 to 2013.

Mobile Money in the Democratic Republic of Congo: Market insights on consumer needs and opportunities in payments and financial services

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Thursday 11 Jul 2013 | Building the financial ecosystem | Case studies | Case study | Democratic Republic of Congo | English | French | Mobile Money | Mobile Money Programme - filter | Research | Resource | Sub-Saharan Africa |

Given the potentially large user base and low penetration of financial services, the Democratic Republic of Congo (DRC) seems to hold significant commercial opportunity for mobile money. At 17.5%, the penetration of mobile exceeds the ...

Mobile Money for the Unbanked 101: A Guide to Commercial Best Practice

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Tuesday 9 Jul 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource |

This commercial guide has been written primarily with wallet-based MNO-led services in mind. However, since it covers the main topics in mobile money services it is likely to have relevance to services led by banks or third parties ...

Innovative Inclusion: How Telesom ZAAD Brought Mobile Money to Somaliland

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Wednesday 3 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Resource | Somaliland | Spanish | Sub-Saharan Africa |

This case study details the success of Telesom ZAAD and the factors underlying this success. The objective for Telesom’s mobile money service, in the words of its CEO, has always been to bring financial inclusion to Somaliland. It was ...

Big ambition meets effective execution: How EcoCash is altering Zimbabwe’s financial landscape

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Monday 1 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Resource | Spanish | Sub-Saharan Africa | Zimbabwe |

Just 18 months after launch, the results are impressive: 2.3 million Zimbabweans have registered for EcoCash mobile money accounts, outnumbering all of Zimbabwe’s traditional bank accounts combined.This case study highlights how big ...

Platforms for Successful Mobile Money Services

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Thursday 27 Jun 2013 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

Based on extensive research of mobile money service providers and platform vendors, this paper aims to help service providers identify the functional and technical features they require for a platform to meet their business needs. The ...