GSMA | Mobile for Development

Highlighting the value of mobile in digital identification systems

In order to access basic life enhancing services such as education, financial and healthcare services, it is imperative for people to prove they are who they claim to be. The GSMA Digital Identity programme is playing a key role in ...

Opportunities for Improving Digital Identification in Social Cash Transfer Programmes through Mobile

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Some populations experience higher levels of exclusion from social safety net programmes. In many cases, this is due to challenges related to enroling, identifying and communicating with beneficiaries.

Sehat Kahani: improving women’s healthcare experience in Pakistan

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Sehat Kahani (“Story of Health”) is a digital health start-up in Pakistan that is democratising healthcare by connecting home-based female doctors with communities where access to quality healthcare is limited. We spoke to users and ...

Reaching 50 Million Women with Mobile: A Practical Guide

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This report is a practical guide for mobile operators seeking to reach women with mobile across low- and middle-income countries. For the last 10 years, our GSMA Connected Women programme has been dedicated to this challenge.

Mitigating common fraud risks: Best practices for the mobile money industry

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As mobile money ecosystems evolve, new fraud risks have surfaced. This paper looks at fraud typologies that significantly impact mobile money users and recommends approaches that can be used to mitigate the risks.

GSMA Connected Society Innovation Fund for Rural Connectivity: The Winners

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Rural coverage innovators iSAT Africa and NuRAN Wireless have been awarded up to £330,000 each for implementing turnkey solutions to suit challenging rural environments with low population density, difficult terrain, and/or limited infrastructure.

Demystifying regulatory concerns for the use of cloud services in mobile money

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Cloud services offer a number of benefits to organisations such as economies of scale, flexibility, operational efficiencies and cost-effectiveness. Globally, players in the financial services industry are now adapting their business ...

The GSMA AgriTech Toolkit for the digitisation of agricultural value chains

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The Toolkit for the Digitisation of Agricultural Value Chains is a collection of resources that illustrate how digital technologies can address pain points for farmers and value chain actors, such as agribusinesses and cooperatives, in ...

Advancing digital inclusion for persons with disabilities – about the Assistive Tech programme

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The GSMA Assistive Tech programme is working towards driving greater access and use of mobile technologies for persons with disabilities in emerging markets and to maximise opportunities for social and economic inclusion.

Mobile Gender Gap Report 2020 Methodology

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This document describes the analysis and modelling undertaken for The Mobile Gender Gap Report 2020 as well as highlighting key areas of methodological change year-on-year.

Accelerating Digital Inclusion for People Experiencing Homelessness: A spotlight on San Francisco

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Our latest research uncovers mobile technology solutions helping to achieve positive outcomes for individuals experiencing homelessness in the United States.

Mobile money API industry report: Towards seamless integrations

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The seamless integration of third-parties with mobile money platforms is a key catalyst to achieving wider access to critical products by the underserved. Third-parties’ ability to integrate with mobile money platforms is also a first ...

Mobile for Humanitarian Innovation Podcast – Episode 7: Two Years of the Programme

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Thursday 26 Mar 2020 | Mobile for Humanitarian Innovation | Video |

In Episode 7, Jenny Caswell (Acting Research & Insights Director, at GSMA), Peter Batali (Executive Director at CTEN) and John Warnes (Innovation Officer on Connectivity for Refugees at UNHCR) reflect on the past two years of ...

Mobile Money Regulatory Index 2019

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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.

Building a Resilient Industry: How Mobile Network Operators Prepare for and Respond to Natural Disasters

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An interactive guide for mobile network operators based on experiences with the Humanitarian Connectivity Charter

Mobile Money Live Learning in Indonesia

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We brought together leaders from Africa and Asia to learn from Indonesia's digital platforms. See what we got up to and hear from industry stakeholders on what they learned on the trip when meeting with leading platform ...

GSMA Connected Women: Life Stories from Uganda and India

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Meet Samidha and Nache, two women from India and Uganda who have been empowered by mobile and have used mobile internet and mobile money to improve their lives. Hear their stories.

Empowering Women Through Mobile: Nache’s Story

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Nache is from a rural village in Uganda and faced considerable challenges in accessing the resources she needed for an education. Learn how she uses mobile to empower herself and access life changing opportunities, enabling her to start her own business.

Empowering Women Through Mobile: Samidha’s Story

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Samidha is from Pugaon village, India. She plays a vital role in her family in taking care of her 5 year old nephew who cannot speak or walk. Learn how Samidha uses mobile to help herself and her family to improve their day-to-day lives.

Safaricom Maisha Ni Digital: Driving Digital Inclusion for Women

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In Kenya, women are 34% less likely than men to use mobile internet, and as a result receive fewer life-changing benefits of connectivity. To close this gender gap, Safaricom launched the Maisha Ni Digital ('Life is Digital') campaign.

Digitising billing and meter reading for water utilities – Wonderkid

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In May 2015, the GSMA Mobile for Development Utilities Innovation Fund awarded a grant to Wonderkid to help it develop a suite of mobile tools for four water utilities in Kenya. The grant supported a complaint management and tracking ...

Celebrating 10 Years of The GSMA Connected Women Programme

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2020 marks the 10th anniversary of the Connected Women programme. In this video, we celebrate the progress and achievements that have been made so far by our programme and partners, to accelerate digital and financial inclusion for women.

How to become GSMA Mobile Money Certified

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The GSMA Mobile Money Certification Lead, Munir Bello, walks through the five-step process on how to become certified. Learn more: www.gsma.com/mmc

Access to Mobile Services and Proof of Identity

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The ability to prove one’s identity is essential to securing both rights and access to a number of life-enhancing services including healthcare, voting, education, financial services, employment and social protections. As we continue...

Digital Solutions for the Urban Poor

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Two-thirds of the world’s population will live in cities by 2050, with most urban growth concentrated in Africa and Asia. This poses challenges to basic service provision but mobile-enabled innovations may provide solutions.

Improving the mobile customer journey for persons with disabilities

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As users of mobile products and services, persons with disabilities experience their mobile phone in different ways to non-disabled users. To ideate solutions that can help close the mobile disability gap and support usage, customer ...

How to join the GSMA Inclusive Tech Lab

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Do you have a brilliant idea that could transform the lives of millions of people in developing countries? Apply to the GSMA Inclusive Tech Lab in five simple steps.

Mobile for Development brochure 2020

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GSMA Mobile for Development has recently celebrated its 10-year anniversary. Ten years in which we have grown from a simple but powerful idea to a global team of 130 and a portfolio of projects that have now impacted ...

The Mobile Gender Gap Report 2020

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The Mobile Gender Gap Report 2020 examines how the mobile gender gap is changing quickly in low- and middle-income countries, revealing how the main factors preventing women's equal mobile ownership and internet use are evolving over time.

Working towards SDG 6 through water ATMs in Bangladesh – Drinkwell

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In October 2017, the GSMA Mobile for Development Utilities Innovation Fund awarded a grant to Drinkwell, in partnership with Dhaka Water Supply & Sewerage Authority (DWASA) and mobile operator Robi Axiata, to operate water ATMs in ...

Proportionate regulation in Uganda: A gateway for refugees accessing mobile services in their own name

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This case study examines how adopting a proportionate regulatory policy led to the activation of SIM-enabled services by MNOs and the impact this has had on the lives of refugees in Uganda.

Connected Society: An Overview for Policymakers

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Policymakers have a key role to play in accelerating digital inclusion. In this Connected Society overview, read our top recommendations for how policymakers can close the coverage gap and how they can address the top 5 barriers to mobile internet usage.

Digital credit scoring for farmers: Opportunities for agritech companies in Myanmar

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This report shares early lessons from using digital agritech data for farmer credit scoring in Myanmar. It examines the role of agritech companies in promoting farmer financial inclusion and identifies monetisation models to unlock new sources of value.

GSMA Connected Society Overview

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The GSMA Connected Society programme is committed to supporting stakeholders and working to address challenges related to global connectivity, with a focus on underserved communities in developing markets.

Présentation du Programme Connected Society de la GSMA

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Regardez cette courte vidéo pour un aperçu des initiatives du programme, ainsi que des solutions suggérées et des rôles que les parties prenantes doivent jouer pour faire progresser la connectivité mobile.

Presentación del programa Connected Society de la GSMA

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El programa Connected Society de GSMA se compromete a apoyar a las partes interesadas y a trabajar para afrontar los desafíos relacionados con la conectividad, centrándose en las comunidades marginadas en los mercados en desarrollo a nivel mundial.

Mobile for Humanitarian Innovation Podcast – Episode 6: Monitoring, Evaluation & Learning (MEL)

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Wednesday 19 Feb 2020 | Mobile for Humanitarian Innovation | Video |

In Episode 6, Matthew Downer (Insights Manager, Monitoring & Evaluation at GSMA) and Lydia Tanner (Director at The Research People) discuss Monitoring, Evaluation and Learning (MEL) in reference to digital innovations in the ...

A Monitoring Evaluation and Learning (MEL) Framework for Humanitarian Innovation Programmes

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This report outlines the key elements of the MEL framework. It is unique in its approach and it is hoped that other organisations may benefit from using the thinking to adapt their own approach to generate evidence regarding humanitarian innovation.

The GSMA Innovation Fund for Digitisation of Agricultural Value Chains

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Wednesday 12 Feb 2020 | Closed Innovation Funds |

The GSMA Mobile for Humanitarian Innovation Fund

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Wednesday 12 Feb 2020 | Closed Innovation Funds |

Mobile for Development Utilities – Innovation Fund

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Wednesday 12 Feb 2020 | Closed Innovation Funds |

Ecosystem Accelerator Innovation Fund

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Wednesday 12 Feb 2020 | Closed Innovation Funds |

Connected Society Innovation Fund

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Wednesday 12 Feb 2020 | Closed Innovation Funds | Open and Upcoming Innovation Funds |

Using mobile money to bring clean water to rural Ghana – Safe Water Network

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In September 2015, Safe Water Network received a grant from the GSMA Mobile for Development Utilities Innovation Fund to develop an app to digitise its manual water station data reporting systems for 37 water stations. In May 2018, ...

Powering Youth Employment through the Mobile Industry in Sub-Saharan Africa by 2025

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Sub-Saharan Africa has the largest growing youth population in the world. This increasingly educated but inadequately skilled workforce poses a challenge for economies that must not only generate more jobs, but also support youth in their employment journe

Improving electricity grid services through smart metering – Jazz

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In May 2018, Jazz received a grant from the GSMA Mobile for Development Utilities Innovation Fund to develop and implement mobile-enabled theft prevention and a system loss reduction solution for a mainstream grid distributor. Jazz, ...

Digitising payments in agricultural value chains: The revenue opportunity to 2025

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Exploring the potential revenue opportunity of digitising agricultural payments, this report examines both B2P & G2P payments as entry points for mobile money providers and how these will improve smallholder financial inclusion.

Driving Financial Inclusion for Women with Vodacom Tanzania

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Harriet Lwakatare of Vodacom Tanzania speaks about the importance of financial inclusion for women, addresses the primary challenge for closing the gender gap in mobile financial services and shares what Vodacom is doing to address these barriers.

Humanitarian Cash and Voucher Assistance in Jordan: A Gateway to Mobile Financial Services

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Monday 13 Jan 2020 | Jordan | Mobile for Humanitarian Innovation | Resource |

This case study shines a light on the promising landscape of mobile money CVA in Jordan.

Connecting the Frontier: Last-Mile Distribution in Bidi Bidi Settlement, Uganda

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Monday 13 Jan 2020 | Mobile for Humanitarian Innovation | Resource | Uganda |

This case study explores the opportunities for mobile money-enabled CVA, some of the challenges that humanitarian organisations and MNOs have faced implementing mobile money in Uganda to date, and more.

Econet’s EcoSure Solution: Driving Women’s Financial Inclusion in Zimbabwe

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In 2017, Econet signed the GSMA Connected Women Commitment to increase the proportion of women customers in their mobile money customer base by 2020.

How does mobile empower me? Joseph’s story

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This is Joseph. Watch his story to learn how mobile empowers him to live a more independent and easier life - Joseph feels his life would be darker without his mobile.

Key Trends from Round 3 of the GSMA Mobile for Humanitarian Innovation Fund

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Thursday 19 Dec 2019 | Innovation fund and grants | Mobile for Humanitarian Innovation | Resource |

This report analyses trends in applicant profile, target geographies, Mobile Network Operator engagement, thematic focus areas, stage of scale and type of innovation from the GSMA Mobile for Humanitarian Innovation Fund.

Social commerce in emerging markets: Understanding the landscapes and opportunities for mobile money

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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.

Digital identity and social cash transfers

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In this case study, we highlight opportunities for mobile-enabled identification services to benefit social cash transfer programmes.

How does mobile empower me? John’s story

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This is John. Watch his story to learn how mobile enables him to live a more independent life by more easily allowing him access to educational and financial services.

Mobile for Humanitarian Innovation Podcast – Episode 5: Digital Identity

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Wednesday 11 Dec 2019 |

In Episode 5, Yiannis Theodorou (Senior Policy and Advocacy Director at GSMA) and Nicholas Oakeshott (Senior Identity Management Officer at UNHCR) discuss the importance of digital identity in humanitarian contexts. [button ...

Navigating the Shift to Digital Humanitarian Assistance: Lessons from the International Rescue Committee’s Experience

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This case study shares the International Rescue Committee's experience transitioning to digital cash assistance, with a focus on how they are leveraging mobile money platforms.

How does mobile empower me? Angie’s story

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This is Angie. Watch her story to learn how mobile enables her to live a more independent life and be an advocate for people with albinism.

Understanding the mobile disability gap

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This report presents an evaluation of the gap and barriers to mobile phone ownership experienced by persons with disabilities, as well as the usage patterns of four main mobile-enabled services and the role of mobile to enable access to basic services.

How mobile operators are driving inclusion of persons with disabilities

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This case study aims to highlight how mobile operators are closing the mobile disability gap and also driving inclusion. The report spotlights two mobile operators that are championing disability inclusion - Safaricom and Turkcell.

How does mobile empower me? Sumona’s story

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This is Sumona. Watch her story to learn how mobile enables her to live a more independent and productive life.

Providing pit emptying services through a GIS-enabled app – KCCA

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In 2017, KCCA was awarded a grant from the GSMA Mobile for Development Utilities Innovation Fund to improve access to safe and reliable faecal sludge collection, transportation and disposal services for the residents in the informal ...

Webinar on Demand: The State of Mobile Internet Connectivity

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In this webinar recording you will hear from the authors of the recent Connected Society report, 'The State of Mobile Internet Connectivity 2019'. You'll also be given a demo of the Mobile Connectivity Index (MCI) web tool.

2019 #FinclusionWeek with Mats Granryd: In 60 seconds, how does mobile money contribute to the SDGs?

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In 2016, mobile became the first sector to commit to the Sustainable Development Goals (SDGs). Hear from GSMA’s Director General, Mats Granryd, on how mobile money is impacting the goals while solving some of the world’s greatest development challenges.

2019 #FinclusionWeek with Max Cuvellier: How does mobile money contribute to the SDGs?

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Max Cuvellier, Head of M4D Utilities and Ecosystem Accelerator and Ecosystem Accelerator at the GSMA, shares how penetration of mobile money is enabling start-ups to build digital solutions to address local challenges and contributing to the SDGs.

2019 #FinclusionWeek with Ruan Swanepoel: How does mobile money contribute to the SDGs?

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In 60 seconds, Ruan Swanepoel, Head of Mobile Money at the GSMA, tells us how the ‘payments as a platform’ approach is contributing to the Sustainable Development Goals (SDGs) and is impacting the lives of hundreds of millions of people.

2019 #FinclusionWeek with Yiannis Theodorou: How is mobile money contributing to the SDGs?

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One billion individuals are unable to prove who they are due to a lack of official ID documentation. In 60 seconds, Yiannis Theodorou, Acting Head of Digital Identity at the GSMA, tells us how mobile is working to overcome this problem.

2019 #FinclusionWeek with Claire Sibthorpe: How does mobile money contribute to the SDGs?

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In 60 seconds, hear from Claire Sibthorpe, Head of Connected Women and Connected Society at the GSMA, about how mobile money is helping to take action and reduce the gender gap in mobile financial services to deliver on the Sustainable Development Goals.

2019 #FinclusionWeek with Natalia Pshenichnaya: How does mobile money contribute to the SDGs?

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We spoke to Natalia Pshenichnaya, Head of AgriTech and CleanTech at the GSMA, who told us how mobile money is helping agribusinesses and farmers by increasing transparency in the food value chain and contributing to the Sustainable Development Goals (SDGs)

Mobile for Humanitarian Innovation Podcast – Episode 4: Lessons from the Innovation Fund

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In Episode 4, Rosie Afia (Market Engagement Manager at GSMA) and Francois Petousis (Head of Product and Director of Humanitarian Projects at Lumkani) discuss grantee learnings from the M4H Innovation Fund.

MTN’s GSMA Mobile Money Certification journey

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Hear from representatives at MTN Côte d'Ivoire and MTN Uganda on their GSMA Mobile Money Certification experience so far.

Webinar: Collaborating for success in the agri e-commerce sector

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Tuesday 22 Oct 2019 | AgriTech | Resource | Webinar |

The greatest part of investment in digital agriculture goes to e-commerce services linking farmers directly with customers and bypassing traditional distribution channels.

(Webinar) GSMA Inclusive Tech Lab: What is it and how do I collaborate?

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This webinar provides an overview of the Lab and the eligibility criteria for applying; the key steps involved in scoping a project, and how you can apply to collaborate with the Lab.

Harnessing the power of mobile money to achieve the Sustainable Development Goals

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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).

Ecosystem Accelerator Compass: Insights on Start-ups and Mobile in Emerging Markets, Issue 6

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We’d like to present the newest issue in our updated quarterly publication — the Ecosystem Accelerator Compass. This publication helps our stakeholders navigate the world of start-ups and mobile technology in emerging markets. The ...

The power of mobile to accelerate digital transformation in Pakistan

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Pakistan is on a national development journey, rooted in the government’s commitment to national and global development goals. There is an urgent need for the government and other stakeholders to accelerate social and economic development in the country.

Mitigating Women’s Safety Concerns with Mobile: A Case Study of Vodafone Idea’s Sakhi service

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In October 2018, Vodafone Idea Ltd launched Sakhi, a service to address key barriers women face to accessing and using mobile in India, as well as women’s concerns about personal safety.

Webinar: Making the Case for Agribusinesses to Invest in Last-Mile Digitisation

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Wednesday 9 Oct 2019 | AgriTech | Webinar |

Watch the latest knowledge-sharing webinar by the GSMA AgriTech Programme. The webinar primarily targeted agribusinesses engaged in direct procurement of agricultural commodities from smallholder farmers to address the ...

Mobile technology for rural climate resilience: The role of mobile operators in bridging the data gap

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Wednesday 2 Oct 2019 | AgriTech | Report |

This report looks at the emerging opportunity to use digital and mobile technology to improve climate resilience products for smallholder farmers in developing countries. Smallholder farmers, responsible for the bulk of agricultural production in developin

Mobile money agent training on the humanitarian code of conduct

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In July and August 2019, the GSMA Mobile for Humanitarian Innovation programme conducted training in Rwanda with MTN mobile money agents on the humanitarian code of conduct. This is to ensure that agents working with Rwanda's refugee ...

Rainfall monitoring through mobile technology in Sri Lanka

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Thursday 26 Sep 2019 | AgriTech | South Asia | Video |

In 2019, the GSMA AgriTech programme, together with Wageningen University and the Royal Netherlands Meteorological Institute, piloted with Dialog Sri Lanka the use of Commercial Microwave Links (CMLs) for rainfall monitoring.

Mobile for Humanitarian Innovation Podcast – Episode 3: Digital Cash Transfers

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In Episode 3, Maha Khan (Research and Insights Director at GSMA) and Rosa Akbari (Senior Advisor of Technology for Development at Mercy Corps) discuss digital cash transfers in humanitarian settings.

Bridging the mobile disability gap in refugee settings

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Despite facing multiple exclusions there are green shoots demonstrating how digital technology can support persons with disabilities during crises. The aim of this case study is to highlight refugees with disabilities’ access to ...

Landscaping New Opportunities for Digital Agriculture in Papua New Guinea

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Monday 23 Sep 2019 | AgriTech | Papua New Guinea | Report |

Agriculture is central to Papua New Guinean society, with 85 per cent of the population depending on it for their livelihoods. Despite positive developments driven by both government and the private sector, agribusinesses and farmers continue to confront a

10 Lessons Learnt: Closing the Gender Gap in Internet Access and Use

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In this report, you will find 10 key lessons to consider when implementing projects that aim to increase women’s access to and use of the internet.

The Mobile Gender Gap: Asia

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South Asia has the widest mobile gender gap of any region. Addressing this is important in order to deliver the significant benefits of mobile and the internet to women, their families, communities and the economy.

Webinar on Demand: Closing the Coverage Gap – How Innovation Can Drive Rural Connectivity

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In this webinar recording you will hear from the author of the recent Connected Society report, 'Closing the Coverage Gap - How Innovation Can Drive Rural Connectivity'. Learn about the potential innovations that could connect the unconnected.

Digital credit for mobile money providers: A guide to addressing the risks associated with digital credit services

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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 ...

Cybersecurity – A governance framework for mobile money providers

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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 ...

Capacity Building course: Digital identity for the underserved and the role of mobile

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Monday 9 Sep 2019 | Digital Identity | The Commonwealth Digital Identity Initiative |

This free one-day course highlights the role of mobile in digital identification systems and how digital identity can empower people to become digital citizens who can fully participate in today’s digital economy.

Mobile for Humanitarian Innovation Podcast – Episode 2: The Ethics of Funding

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Tune in to hear the Mobile for Humanitarian Innovation programme discuss key issues with mobile network operators and humanitarian partners in this new podcast series. In Episode 2, Olly Parsons (Senior Market Engagement Manager at ...

Mobile for Development Utilities Perspective – Our quarterly insights – Issue 1

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We're pleased to announce the publication of our first issue of the quarterly Mobile for Development Utilities Perspective, which will bring together and highlight insights from the work we've done with grantees of the Mobile for ...

GSMA end-user research: Our top 5 lessons about digital identity

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Friday 2 Aug 2019 | Digital Identity | Research | Resource |

This video highlights our top five lessons learned about digital identity from the GSMA Digital Identity Team's end-user research.

Webinar on Demand: Exploring the GSMA Coverage Maps Platform

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Reliable population mobile coverage data is the starting point for enabling the digital economy. Access to this data is vital in order to identify who is covered and who is not; plan and finance network ...

Championing a unified digital Person-to-Government (P2G) payments strategy: Lessons from Orange P2G payments in Africa

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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.

Closing the Coverage Gap: How Innovation Can Drive Rural Connectivity

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Millions of people still do not live within reach of a mobile broadband network. Delivering this connectivity is increasingly becoming an economic challenge, and innovation is needed to reduce the cost and difficulty of deployments.

The State of Mobile Internet Connectivity Report 2019

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Only 40% of the LMIC population are connected, compared to almost 75% of the population in high-income countries. More than half the world’s population are therefore still unable to realise the social and economic benefits that mobile internet can enable.

The Digital Lives of Refugees

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Our new research, produced with UNHCR, looks at the ways in which refugees are using mobile phones to help guide digital interventions by humanitarian organisations and mobile network operators. The research identifies key trends ...

The Digital Lives of Refugees [Video]

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This video showcases key findings from our new research, which looks at the ways refugees in Bidi Bidi settlement (Uganda), Kiziba camp (Rwanda), and urban settings in Jordan are using mobile phones to help guide digital interventions ...

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