GSMA Mobile Money Certification
Launched in 2018, the GSMA Mobile Money Certification is a global initiative to bring safer, more transparent, and more resilient financial services to millions of mobile money users around the world.
The Certification defines and promotes excellence in the provision of mobile money services. It is based on independent assessments of a provider’s ability to deliver secure and reliable services, to protect the rights of consumers and to combat money laundering and the financing of terrorism. These efforts are measured against global industry best practice. The Certification enhances consumer trust, accelerates commercial partnerships, and sets a public bar to which all providers can aspire.
The Certification will help to take the industry to the next level by improving quality of services and customer satisfaction, facilitating the implementation of trusted partnerships, building trust with regulators and encouraging the implementation of appropriate and proportional regulatory standards.
The principles of the Certification
There are eight principles of the Certification. The principles comprise detailed criteria against which mobile money providers are measured.
GSMA Mobile Money Certification Principles
Monday 20 May 2019 | Building the financial ecosystem | Digital literacy | East Asia and Pacific | English | Europe and Central Asia | 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 - filter | Policy and regulation | Resource | 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.
A quick guide to the GSMA Mobile Money Certification
Thursday 6 Dec 2018 | Building the financial ecosystem | East Asia and Pacific | English | Europe and Central Asia | Global | 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 - filter | Policy and regulation | Resource | South Asia | Sub-Saharan Africa |
Read our Quick Guide to the Mobile Money Certification to understand the basics.
The toolkit
The GSMA Mobile Money Certification Toolkit is the foundation of the certification process. The first step to becoming certified is for a mobile money provider to download the toolkit and conduct a detailed self-assessment of their business practices. Download a summary version of the toolkit below, and read more about the certification process on the GSMA Mobile Money Certification website.
Certified providers
Dialog Axiata
Hormuud Telecom
MTN Cameroon
MTN Ghana
MTN MFS Côte d’Ivoire
MTN Rwanda
MTN Uganda
Orange Côte d’Ivoire
Orange Finances Mobiles Guinée
Orange Money RDC
Safaricom mPesa Kenya
Telenor Microfinance Bank
Tigo Money Paraguay
Tigo Pesa Tanzania
Vodacom mPesa Tanzania
Hear from certified providers on their Certification experiences
MTN’s GSMA Mobile Money Certification journey
Monday 14 Oct 2019 | Building the financial ecosystem | English | Mobile Money | Resource | Sub-Saharan Africa | Video |
Hear from representatives at MTN Côte d'Ivoire and MTN Uganda on their GSMA Mobile Money Certification experience so far.
Dialog Axiata’s GSMA Mobile Money Certification story
Monday 8 Apr 2019 | Building the financial ecosystem | English | Mobile Money | Resource | South Asia | Sri Lanka | Video |
We spoke to Supun Weerasinghe (Director and Group CEO) and Fariq Cader (Vice President) about why they wanted to gain the Certification and what it means for their three million mobile money customers.
Telenor Microfinance Bank Ltd uncovers what the GSMA Mobile Money Certification means for Pakistan
Wednesday 29 Aug 2018 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | Pakistan | Resource | Video |
Telenor Microfinance Bank Ltd's Shahid Mustafa (President and CEO) explains how the GSMA Mobile Money Certification benefits their customers in Pakistan.
Vodafone Group on how the GSMA Mobile Money Certification benefits the industry
Wednesday 29 Aug 2018 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | Resource | Video |
Vodafone Group's Phil Patel (mPesa Director) discusses how the GSMA Mobile Money Certification has benefited them and what it means for the mobile money industry.
Tigo Tanzania’s GSMA Mobile Money Certification experience
Wednesday 29 Aug 2018 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | Resource | Tanzania |
Tigo Tanzania's Hilda Damas Kasembe (Global Risk and Control Manager) talks about their experience with the GSMA Mobile Money Certification.
Orange Group’s Patrick Roussell: What is the GSMA Mobile Money Certification?
Wednesday 29 Aug 2018 | Building the financial ecosystem | English | Global | Industry assets and standards | Interoperability | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Pakistan | Resource | Sub-Saharan Africa | Tanzania |
In this video series we hear from certified providers on what the GSMA Mobile Money Certification is, the Certification ...
Advisory Board
We are grateful to the following advisers for their ongoing input into our certification framework.
CGAP
IFC
UNCDF
Bill & Melinda Gates Foundation
Vodafone
MTN
Orange
