Mobile for Development Resources

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

Video

Friday 1 Nov 2019 | Ecosystem payments | English | Financial services products | Global | Mobile Money | Resource |

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?

Video

Friday 1 Nov 2019 | English | Global | Mobile Money | Resource | Video |

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 Natalia Pshenichnaya: How does mobile money contribute to the SDGs?

Video

Friday 1 Nov 2019 | AgriTech | Ecosystem payments | English | Financial services products | Global | Mobile Money | Resource |

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)

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

Video

Friday 1 Nov 2019 | Ecosystem payments | English | Financial services products | Global | Mobile Money | Resource | Video |

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?

Video

Friday 1 Nov 2019 | Digital Identity | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Resource | Video |

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?

Video

Friday 1 Nov 2019 | Connected Women | Digital Inclusion | Ecosystem payments | English | Financial services products | Gender | Global | Mobile Money | Mobile Money for Women | Resource | Video |

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.

GSMA’s Director General Mats Granryd explains the value of the GSMA Mobile Money Certification

Video

Wednesday 29 Aug 2018 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money Programme | Resource | Video |

Hear from GSMA's Director General Mats Granryd on the value of the GSMA Mobile Money Certification to customers around the world, the principles underpinning the Certification and who is eligible to apply.

The GSMA Mobile Money Certification in 2019

Video

Tuesday 12 Mar 2019 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money Programme | Resource |

The Certification enhances consumer trust, accelerates commercial partnerships, and sets a public bar to which all providers can aspire.

Telenor Microfinance Bank Ltd uncovers what the GSMA Mobile Money Certification means for Pakistan

Video

Wednesday 29 Aug 2018 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money Programme | 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

Video

Wednesday 29 Aug 2018 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money Programme | 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

Video

Wednesday 29 Aug 2018 | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile Money | Mobile Money Programme | Resource | Tanzania |

Tigo Tanzania's Hilda Damas Kasembe (Global Risk and Control Manager) talks about their experience with the GSMA Mobile Money Certification.

MTN’s GSMA Mobile Money Certification journey

Video

Monday 14 Oct 2019 | Ecosystem payments | English | Financial services products | 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.

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

Video

Friday 18 Oct 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money APIs | Product development and product design | Resource | Webinar |

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

Document

Thursday 17 Oct 2019 | Digital Inclusion | Digital Inclusion for Women | Ecosystem payments | English | Financial services products | Global | international remittances | Interoperability | Mobile Health | Mobile Money | Mobile Money for Women | Mobile Money Programme | Policy and regulation | Report | Research | Resource |

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).

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

Video

Wednesday 25 Sep 2019 | Mobile for Humanitarian Innovation | Mobile Money | Refugee crisis | Video |

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.

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

Document

Wednesday 11 Sep 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Policy and regulation | Report | Resource |

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

Document

Wednesday 11 Sep 2019 | English | Financial services products | Global | Industry positions | Mobile access and use | Mobile internet | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Regulation | Report | State of the industry and trends |

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 ...

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

Document

Friday 28 Jun 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Report | Resource | Sub-Saharan Africa |

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.

We’re hiring a Technical Lead and API Specialist!

Video

Thursday 27 Jun 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Interoperability | Mobile Money | Mobile Money APIs | Product development and product design | Resource | Video |

We are looking for new Technical Lead and API Specialist to join our GSMA Mobile Money team! Hear from our Director or Inclusive Fintech about these two new exciting opportunities. Apply Now! Technical Lead:

What to expect at the Mobile Money Leadership Forum with Ruan Swanepoel

Video

Thursday 27 Jun 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Resource | Rwanda | Video |

Head of Mobile Money, Ruan Swanepoel, gives us a taste of what to expect at the 2019 Mobile Money Leadership Forum.

Central Bank of El Salvador’s Otto Boris Rodríguez on international remittances via mobile money

Video

Wednesday 15 Aug 2018 | Ecosystem payments | English | Financial services products | Global | international remittances | International remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Resource | Video |

Otto Boris Rodríguez of Banco Central de Reserva de El Salvador) discusses the regulatory challenges surrounding international remittances via mobile money, in particular how they are a significant barrier to entry and scale for mobile money providers.

Vodacom Tanzania’s Polycarp Ndekana on international remittances via mobile money

Video

Tuesday 7 Aug 2018 | Ecosystem payments | English | Financial services products | Global | international remittances | International remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Resource |

Polycarp Ndekana, Head of M-Commerce Business development & Marketing (Vodacom Tanzania), explores the benefits and impact that international remittances via mobile money have had on people in Tanzania.

GSMA’s Claire Scharwatt on international remittances via mobile money

Video

Wednesday 13 Jun 2018 | Ecosystem payments | English | Financial services products | Global | international remittances | International remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Resource | Sub-Saharan Africa | Video |

GSMA's Claire Scharwatt discusses the importance of collaborating with the industry to ensure international remittances via mobile money are facilitated safely and securely and consistent with global standards and local policy and regulations.

(Webinar) 2018 State of the Industry Report on Mobile Money

Video

Thursday 25 Apr 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Resource | State of the industry and trends | Webinar |

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 ...

Supporting waterless flush sanitation through mobile technology – Loowatt

Video

Tuesday 16 Apr 2019 | English | Innovation fund and grants | Madagascar | Mobile access and use | Mobile for Development Utilities | Mobile internet | Mobile Money | Sanitation | Sub-Saharan Africa | Video |

In 2015, Loowatt was awarded a grant from the GSMA Mobile for Development Utilities programme to develop a suite of mobile services to track its waste collection processes, collect payments with mobile money and communicate better with ...

Mobile money enabled cash aid delivery

Video

Wednesday 10 Apr 2019 | Mobile for Humanitarian Innovation | Mobile Money | Video |

The role of mobile money in humanitarian contexts.

MWC19 Mobile Money seminar: Catalysing partnerships to support the digital economy

Video

Tuesday 9 Apr 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Interoperability | Mobile Money | Policy and regulation | Resource | State of the industry and trends |

We explore the platform model and unveil the latest industry trends to emerge from the 2018 State of the Industry Report on Mobile Money.

Dialog Axiata’s GSMA Mobile Money Certification story

Video

Monday 8 Apr 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | 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.

Mobile money enabled cash aid delivery: Essential considerations for humanitarian practitioners

Document

Wednesday 10 Apr 2019 | Mobile for Humanitarian Innovation | Mobile Money |

This report offers guidance for humanitarian practitioners considering mobile money enabled cash and voucher assistance programmes.

Mobile money enabled cash aid delivery: Operational handbook for mobile money providers

Document

Wednesday 10 Apr 2019 | Mobile for Humanitarian Innovation | Mobile Money |

This handbook provides essential background on the humanitarian sector, and cash and voucher assistance programmes, plus outlining the operational steps involved in delivering CVA successfully.

CEO of CGAP, Greta Bull, discusses mobile money in its new phase of evolution

Video

Wednesday 3 Apr 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Interoperability | Mobile Money | Mobile Money APIs | Resource | Social impact and behavioural change | Video |

We spoke to Greta Bull at MWC19 Barcelona, where she discussed the challenges and opportunities facing the mobile money industry in its new phase of evolution, and the role of trust in increasing the usage of mobile money services in ...

Mobilising cash and voucher assistance programmes: The case for mobile money

Document

Monday 1 Apr 2019 | Mobile for Humanitarian Innovation | Mobile Money |

This report offers recommendations for both humanitarian organisations and mobile money service providers regarding the partnerships required to enable effective and efficient use of mobile money in humanitarian contexts.

The impact of mobile money on monetary and financial stability in Sub-Saharan Africa

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Friday 29 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global and regional studies | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Research | Resource | Sub-Saharan Africa |

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

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Friday 29 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Research | Resource |

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

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Friday 29 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | international remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Research | Resource |

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

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Thursday 28 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Resource |

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 ...

Exploring the Gender Gap in Identification: Policy Insights from 10 Countries

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Friday 22 Mar 2019 | Bangladesh | Botswana | Digital Identity | Digital Inclusion for Women | Gender | Malawi | Mobile Money | Nigeria | Papua New Guinea | Policy and regulation | Resource | Rwanda | Sri Lanka | Uganda | Zambia | Zimbabwe |

Our 10-country study explores the intersection between cultural, social and policy barriers facing women and girls when accessing and using ID and provides gender-sensitive solutions for governments to ensure a more enabling ID-related ...

The Mobile Money Regulatory Index

Documents

Thursday 21 Mar 2019 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Financial services products | French | Global | Middle East and North Africa | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Report | Resource | South Asia | Sub-Saharan Africa |

In September 2018 we launched the Mobile Money Regulatory Index, an interactive tool that measures the ...

CEO of Wave Money discusses the importance of financial inclusion for women

Video

Tuesday 19 Mar 2019 | Accelerating Digital and Financial Inclusion | Connected Women | English | Financial services products | Gender | Mobile Money | Mobile Money for Women | Myanmar | Video |

Brad Jones, CEO of Wave Money, spoke to the GSMA’s Connected Women team about why financial inclusion for women is an important issue for him and his organisation. He discusses what he views to be the primary challenge to closing the ...

Online marketplace and merchant-centric services as a driver of the platform model

Presentation

Tuesday 12 Mar 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money APIs | Mobile Money Programme | Resource |

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

Friday 8 Mar 2019 | Case studies | Digital Identity | Ghana | Mobile Money | Mobile Money Programme |

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.

How MoMo Pay Empowers Female Merchants and Customers in Ghana

Video

Thursday 7 Mar 2019 | Connected Women | Digital Inclusion | Digital Inclusion for Women | Gender | Gender diversity in the workforce | Ghana | Mobile Internet for Women | Mobile Money | Mobile Money for Women | Sub-Saharan Africa | Video |

In Ghana there is a gender gap in mobile money adoption and use which means that fewer women than men benefit from this potentially life-enhancing service. In order to help close this gender gap, MTN Ghana, one of the major mobile ...

2018 State of the Industry Report on Mobile Money

Document

Monday 25 Feb 2019 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Financial services products | Global | Global and regional studies | international remittances | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile access and use | Mobile Money | Mobile Money APIs | Mobile Money Programme | Policy and regulation | Report | Research | Resource | Social impact and behavioural change | South Asia | State of the industry and trends | Sub-Saharan Africa | Water |

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 ...

Digital identity opportunities in Uganda

Document

Friday 22 Feb 2019 | Digital Identity | Mobile Money | Report | Research | Resource | Uganda |

Over one billion people around the world, including more than 230 million women and girls in the Commonwealth, lack official proof of identity. Recognising that mobile technology and mobile network operators (MNOs) are well-positioned ...

Digital identity opportunities in Malawi

Document

Friday 22 Feb 2019 | Digital Identity | Malawi | Mobile Money | Report | Research | Resource |

Over one billion people around the world, including more than 230 million women and girls in the Commonwealth, lack official proof of identity. Recognising that mobile technology and mobile network operators (MNOs) are well-positioned ...

Embracing payments as a platform for the future of mobile money

Document

Thursday 21 Feb 2019 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Policy and regulation | Report | Resource |

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 ...

Innovative mobile solutions linking health and identity

Document

Monday 18 Feb 2019 | Benin | Case study | Digital Identity | Lesotho | Mobile Health | Mobile Money | Resource | South Asia | Sri Lanka | Sub-Saharan Africa |

In this case study we will explore four innovative mobile-enabled health solutions in Sub-Saharan Africa and Asia which have been developed to use mobile technology to identify patients to create unique digital health identities to ...

Overcoming the Know Your Customer hurdle: Innovative solutions for the mobile money sector

Document

Thursday 31 Jan 2019 | Ecosystem payments | English | Financial services products | Global | Mobile Money | Mobile Money Programme | Regulation | Report | Resource | Sub-Saharan Africa |

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.

Recognising Urban Refugees in Jordan: Opportunities for mobile-enabled identity solutions

Document

Tuesday 22 Jan 2019 | Digital Identity | Jordan | Middle East and North Africa | Mobile for Humanitarian Innovation | Mobile Money | Refugee crisis | Resource |

This report, through an extensive literature review and stakeholder interviews, brings new focus on the complex identity-related challenges faced by urban refugees in Jordan, the tenth largest refugee-hosting nation in the world. ...

A quick guide to the GSMA Mobile Money Certification

Documents

Thursday 6 Dec 2018 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Europe and Central Asia | Financial services products | 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 | Operational best practices | Policy and regulation | Resource | South Asia | Sub-Saharan Africa |

Read our Quick Guide to the Mobile Money Certification to understand the basics.

Transforming Women’s Lives with Mobile: UNGA Panel

Video

Tuesday 23 Oct 2018 | Connected Women | Digital Identity | Digital Inclusion | Digital Inclusion for Women | Digital literacy | Digital skills | Financial services products | Gender | Industry Purpose | Mobile access and use | Mobile for Development | Mobile Health | Mobile Internet for Women | Mobile literacy | Mobile Money | Mobile Money for Women | Resource | Video |

‘Transforming Women's Lives with Mobile': A Panel Discussion Hosted by the GSMA at UNGA 2018. A conversation with Yasmina McCarty, GSMA; Elisabeth Biering, Telenor; Sanda Ojiambo, Safaricom; and Anna Falth, UN Women, highlighting ...

The IPN Hub: Exploring its utility beyond pay-as-you-go solar

Document

Friday 28 Sep 2018 | Digital Inclusion | Ecosystem payments | Energy | English | Financial services products | Global | Industry assets and standards | Interoperability | Mobile access and use | Mobile for Development Utilities | Mobile Money | Mobile Money Programme | Report | Resource | Rwanda | Sub-Saharan Africa |

The Instant Payment Notification (IPN) Hub is an industry utility created by the GSMA to enable ...

2018 Mobile Money Policy and Regulatory Handbook

Document

Friday 28 Sep 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Mobile access and use | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Regulation | Resource |

In the Handbook, we explore regulatory challenges that have faced the industry since its inception, and recommend approaches key stakeholders can take towards creating an enabling environment. The Handbook also accounts for recent ...

Spotlight on mobile-enabled microinsurance

Document

Wednesday 26 Sep 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | Report | Research | Resource | State of the industry and trends |

This is the second in a series of insight papers exploring selected topics based on the findings of the 2017 State of the Industry Report on ...

Guidelines on mobile money data protection

Document

Monday 24 Sep 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Guidelines | Mobile access and use | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Regulation | Resource |

Data protection is critical to ensuring that data is not only fuelling innovation, but also that it is handled in a safe and responsible manner. To that end, mobile operators are building on the technical and compliance capabilities of ...

Beyond the basics: How smartphones will drive future opportunities for the mobile money industry

Document

Wednesday 19 Sep 2018 | Digital Inclusion | East Asia and Pacific | Ecosystem payments | English | Europe and Central Asia | Financial services products | Global | Latin America & the Caribbean | Middle East and North Africa | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | Report | Research | Resource | Social impact and behavioural change | South Asia | State of the industry and trends | Sub-Saharan Africa | User insights and data |

Technology is changing the way we access a range of products and services, from viewing digital content to paying for goods and services via our mobile phones. The proliferation of mobile internet and smartphone access in emerging ...

Orange Group’s Patrick Roussell: What is the GSMA Mobile Money Certification?

Video

Wednesday 29 Aug 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Interoperability | Mobile access and use | Mobile Money | Mobile Money Programme | Operational best practices | Pakistan | Product development and product design | Resource | Sub-Saharan Africa | Tanzania |

In this video series we hear from certified providers on what the GSMA Mobile Money Certification is, the Certification ...

Key trends in mobile-enabled water services: What’s working and what’s next

Document

Friday 24 Aug 2018 | English | Innovation fund and grants | MNOs' operational and strategic issues | Mobile access and use | Mobile for Development Utilities | Mobile Money | Mobile Money Programme | Product development and product design | Research | Resource | South Asia | State of the industry and trends | Sub-Saharan Africa | User insights and data | Water |

The business models in mobile-enabled water services are fast evolving towards a promising future. Through mobile payments and machine to machine (M2M) connectivity, water service providers and utilities are beginning to optimise costs ...

UNCDF’s Tillman Bruett on international remittances via mobile money

Video

Thursday 16 Aug 2018 | Digital Inclusion | Ecosystem payments | El Salvador | English | Financial services products | Global | international remittances | International remittances | Mobile for Development | Mobile Money | Mobile Money for Women | Mobile Money Programme | Resource | Social impact and behavioural change | Sub-Saharan Africa | Tanzania | Video |

Tillman Bruett discusses the transformative impact of mobile money-enabled international remittances for low-income people, and the importance of industry collaboration for finding solutions to know your customer (KYC) challenges.

Mobile money app security best practices

Document

Tuesday 7 Aug 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Guidelines | MNOs' operational and strategic issues | Mobile access and use | Mobile internet | Mobile Money | Mobile Money Programme | Operational best practices | Resource |

Smartphone penetration is on the rise in emerging markets with 73% of mobile money providers offering services through smartphone apps. This rise can dramatically enhance the mobile money value proposition and a coordinated industry ...

Innovative mobile digital identity solutions: Financial inclusion and Birth Registration

Documents

Wednesday 18 Jul 2018 | Case study | Digital Identity | Ecosystem payments | English | Financial services products | Latin America & the Caribbean | Mobile Money | Mobile Money Programme | Regulation | Resource | Sub-Saharan Africa |

This case study looks at two start-ups that are using mobile technology to establish functional and foundational identities in the Caribbean and Burkina Faso, and looks at how those could be developed to provide people with further ...

Distribution 2.0: The future of mobile money agent distribution networks

Document

Thursday 5 Jul 2018 | Case study | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | Report | Resource | Sub-Saharan Africa |

Mobile money agents are a crucial asset for mobile money providers and have been key to the growth of the industry over the last decade. In December 2017, there were over 2.9 million active agents and 690 million registered customer ...

GSMA Mobile Money celebrates the International Day of Family Remittances

Video

Friday 15 Jun 2018 | Blog | Digital Inclusion | Digital literacy | Ecosystem payments | English | Financial services products | Global | international remittances | International remittances | Mobile access and use | Mobile for Development | Mobile Money | Mobile Money Programme | Resource |

International remittances play a critical role in sustaining the livelihoods of those living in poverty and fragile states. At more than three times the size of official development assistance (ODA), and

GSMA PathFinder: Solving provider look-ups to enable mobile money interoperability

Document

Wednesday 16 May 2018 | Case study | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | international remittances | Interoperability | Mobile for Development | Mobile Money | Mobile Money Programme | Report | Resource | Sub-Saharan Africa |

Mobile money services are now widespread – as of the end of 2017, there were 276 deployments in 90 markets globally. As mobile money services mature, there is growing demand for interoperability both with other mobile money services, ...

Competing with informal channels to accelerate the digitisation of remittances

Document

Tuesday 8 May 2018 | Digital Inclusion | Digital Inclusion for Women | Ecosystem payments | English | Financial services products | Global | Infographic | international remittances | International remittances | Interoperability | Mobile access and use | Mobile Money | Mobile Money Programme | Report | Research | Resource |

International remittances provide the most tangible link between migration and development. At more than three times the size of official development assistance, remittances are a lifeline for many people in developing countries. In ...

d.light and RE-VOLT: Pay-as-you-go solar service driving mobile money adoption in Haiti

Document

Wednesday 25 Apr 2018 | Case studies | Case study | Energy | English | Haiti | Innovation fund and grants | Latin America & the Caribbean | Mobile access and use | Mobile for Development Utilities | Mobile internet | Mobile Money | Mobile Money Programme | Product development and product design | Resource | User insights and data |

In December 2015, the GSMA Mobile for Development Utilities programme awarded an 18-month grant to d.light, in partnership with RE-VOLT and Digicel, to scale up a lease-to-own energy model in Haiti through the distribution of ...

Introducing the GSMA Mobile Money Certification

Video

Thursday 12 Apr 2018 | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money Programme | Policy and regulation | Resource | Video |

The GSMA Mobile Money 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 ...

GSMA Mobile Money Certification Principles

Documents

Thursday 12 Apr 2018 | Digital Inclusion | Digital literacy | Digital skills | East Asia and Pacific | Ecosystem payments | English | Europe and Central Asia | Financial services products | 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 | Operational best practices | Policy and regulation | Resource | Social impact and behavioural change | 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.

Mobile money interoperability in Bolivia: A case study for Latin America

Document

Thursday 29 Mar 2018 | Case studies | Case study | Digital Inclusion | Ecosystem payments | English | Financial services products | Global | Interoperability | Latin America & the Caribbean | Mobile access and use | Mobile for Development | Mobile internet | Mobile Money | Mobile Money Programme | Report | Resource |

Bank-to-mobile money transfers represent an increasing percentage of mobile money transaction values. Mobile money providers around the globe are considering options to provide direct communication with the traditional financial ...

Digital Identity for Smallholder Farmers: Insights from Sri Lanka

Document

Thursday 29 Mar 2018 | Digital Identity | Mobile Money | Report | Resource | South Asia | Sri Lanka |

This report highlights key findings from the Digital Identity programme’s qualitative research in Sri Lanka, which was designed to help improve the mobile industry’s understanding of farmers’ identity-related needs and pain points, as ...

Coming soon: The GSMA Mobile Money Certification

Video

Monday 12 Mar 2018 | Digital Inclusion | Digital literacy | Ecosystem payments | English | Financial services products | Global | Industry assets and standards | Mobile access and use | Mobile internet | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | Resilient technology | Resource | Video |

Stay tuned for the GSMA Mobile Money Certification - a global industry initiative launching 12 April 2018. https://www.youtube.com/watch?v=SkPPMxEXv8g  

Roadmap for Digital Birth Registration: Insights on Scale and Sustainability from Pakistan

Document

Thursday 8 Mar 2018 | Digital Identity | Digital Inclusion | Mobile Money | Pakistan | Report | Resource |

We have produced this Roadmap for Digital Birth Registration as a guide for MNOs and their partners who are seeking opportunities to achieve greater impact, efficiency and efficacy in digital birth registration. Drawing ...

Video: 2017 State of the Industry Report on Mobile Money

Video

Monday 26 Feb 2018 | Big data | Digital Inclusion | Digital literacy | East Asia and Pacific | Ecosystem payments | English | Europe and Central Asia | Financial services products | Global | Global and regional studies | international remittances | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile Money | Mobile Money APIs | Mobile Money for Women | Mobile Money Hackathon | Mobile Money Programme | Resilient technology | Resource | Social impact and behavioural change | South Asia | State of the industry and trends | Sub-Saharan Africa | User insights and data | Video |

https://www.youtube.com/watch?v=vf64Zg0rktU 2017 saw a number of new trends in mobile money – from the accelerated growth of bank-to-mobile interoperability, to the emergence of South Asia as the fastest growing region, and a raft ...

2017 State of the Industry Report on Mobile Money

Document

Monday 26 Feb 2018 | Digital Inclusion | Digital Inclusion for Women | East Asia and Pacific | Ecosystem payments | Energy | English | Europe and Central Asia | Financial services products | French | Gender | Global | Global and regional studies | international remittances | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile access and use | Mobile for Development | Mobile for Development Utilities | Mobile internet | Mobile Internet for Women | Mobile Money | Mobile Money APIs | Mobile Money for Women | Mobile Money Hackathon | Mobile Money Programme | Policy and regulation | Refugee crisis | Report | Research | Resource | Social impact and behavioural change | South Asia | Spanish | State of the industry and trends | Sub-Saharan Africa | User insights and data | Water |

2017 saw a number of new trends in mobile money – from the accelerated growth of bank-to-mobile interoperability, to the emergence of South Asia as the fastest growing region, and a raft of innovations designed to reach the most ...

Access to Mobile Services and Proof of Identity

Document

Saturday 23 Feb 2019 | Digital Identity | English | Global | Mobile Money | Policy and regulation | Report | Resource |

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...

Instant Payment Notification (IPN) Hub: Accelerating the Pay-As-You-Go (PAYG) Utilities sector through mobile money

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Monday 29 Jan 2018 | Case study | Digital Inclusion | Energy | English | Financial services products | Industry assets and standards | Interoperability | Mobile access and use | Mobile for Development Utilities | Mobile Money | Mobile Money for Women | Mobile Money Programme | Product development and product design | Resource | Rwanda | Sub-Saharan Africa |

Globally, 1.2 billion people lack access to electricity. The pay-as-you-go (PAYG) solar industry uses an innovative model to provide customers access to electricity in remote areas while allowing them to pay for it incrementally using ...

Opportunities in agricultural value chain digitisation: Learnings from Ghana

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Monday 15 Jan 2018 | AgriTech | Case studies | Case study | Content creation and stylization | English | Ghana | Mobile access and use | Mobile internet | Mobile Money | Mobile Money Programme | Operational best practices | Product development and product design | Resource | Sub-Saharan Africa | User insights and data |

The deployment of digital solutions in the so-called last mile of agricultural value chains allows agribusinesses to address a range of business challenges and maximise operational efficiencies and real-time visibility in the supply ...

Video: The GSMA Mobile Money Hackathon, Karachi, Pakistan October 2017

Video

Wednesday 15 Nov 2017 | English | Mobile Money | Pakistan | Resource | Video |

Enjoy highlights from the #MobileMoneyHackathon hosted by GSMA, Karandaaz Pakistan, Telenor Bank and Jazz Cash in this video produced by Karandaaz Pakistan.          

Humanitarian Payment Digitisation: Focus On Uganda’s Bidi Bidi Refugee Settlement

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Friday 10 Nov 2017 | Case studies | Case study | Mobile for Humanitarian Innovation | Mobile Money | Mobile Money Programme | Refugee crisis | Resource | Sub-Saharan Africa | Uganda |

Our latest research report looks at ways that a number of humanitarian organisations have started to collaborate with the private sector, in particular, mobile network operators, and shares insights on the operational success factors ...

2016 Mobile Money in Latin America and the Caribbean

Presentation

Tuesday 31 Oct 2017 | Digital Inclusion | Digital skills | English | Financial services products | Global and regional studies | Latin America & the Caribbean | Mobile access and use | Mobile Money | Mobile Money Programme | Presentation | Report | Resource | State of the industry and trends |

This report looks at the growth of mobile money in Latin America and the Caribbean between 2011 and 2016. Mobile money deployments rose at a faster rate in the region than globally, with all sub-regions enjoying consistent growth. ...

Opportunities in agricultural value chain digitisation: Learnings from Côte d’Ivoire

Documents

Monday 30 Oct 2017 | AgriTech | Case studies | Case study | Cote d'Ivoire | Digital skills | English | French | Mobile access and use | Mobile internet | Mobile literacy | Mobile Money | Mobile Money Programme | Operational best practices | Product development and product design | Resource |

Use of digital tools in the last mile of agricultural value chains allows agribusinesses to optimise procurement and business performance and promotes smallholder farmers’ financial inclusion, empowerment through transaction ...

Taxation and mobile money in Tanzania

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Friday 20 Oct 2017 | Digital Inclusion | English | Financial services products | Global | Mobile access and use | Mobile Money | Mobile Money Programme | Policy and regulation | Presentation | Regulation | Resource | Social impact and behavioural change | Sub-Saharan Africa |

This report examines the impact of taxation on mobile money in Tanzania, in light of the positive impacts of mobile money in the country. Whilst mobile money has increased financial inclusion, it is now being taxed in the same way as ...

Person-to-government (P2G) payment digitisation: Lessons from Kenya

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Thursday 28 Sep 2017 | Case study | Digital Inclusion | Digital literacy | English | Financial services products | French | Interoperability | Kenya | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | Resource | Sub-Saharan Africa |

This report looks deep into how mobile money has shaped the Kenyan P2G payments journey, based on research conducted by the Bankable Frontiers Associates (BFA), ...

Guidelines on International Remittances through Mobile Money

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Monday 18 Sep 2017 | Digital Inclusion | Digital literacy | Digital skills | Ecosystem payments | English | Financial services products | Global | Guidelines | international remittances | International remittances | Mobile literacy | Mobile Money | Mobile Money Programme | Resource |

This set of guidelines illustrates how the mobile money industry is collaborating to ensure international remittances are facilitated in a safe and secure manner, consistent with global standards and local monetary policies and ...

Guatemala – Servicios financieros móviles (SFM): Diagnóstico regulatorio y estudio de mercado

Document

Thursday 31 Aug 2017 | Case studies | Digital Inclusion | Guatemala | Latin America & the Caribbean | Mobile access and use | Mobile Money | Mobile Money Programme | Policy and regulation | Research | Resource | Spanish |

Este documente examina la actual situación de inclusión financiera en Guatemala, haciendo énfasis en su marco regulatorio. El documente compara la situación de Guatemala con algunos de sus pares regionales y provee una serie de ...

Mapping the mobile money gender gap: insights from Cote d’Ivoire and Mali

Video

Wednesday 26 Jul 2017 | Case studies | Connected Women | Cote d'Ivoire | Digital Inclusion for Women | Digital literacy | English | French | Gender | Mali | Mobile access and use | Mobile Internet for Women | Mobile literacy | Mobile Money | Mobile Money for Women | Mobile Money Programme | Research | Resource | Sub-Saharan Africa | Video |

Despite significant growth in mobile money over the last decade, there are still wide gender gaps in mobile money account ownership and usage. There is valuable data on the gender gap in mobile financial services, but to better target ...

Mobile money and e-commerce: Three areas of partnership in Southeast Asia

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Thursday 20 Jul 2017 | Connected Society | Digital Inclusion | East Asia and Pacific | English | MNOs' operational and strategic issues | Mobile internet | Mobile Money | Mobile Money Programme | Report | Resource | South Asia |

Recently, e-commerce providers have highlighted some of the challenges they face in Southeast Asian markets: cash on delivery payments, limited logistical infrastructure, and a lack of customer trust. Mobile money can support ...

2016 State of Mobile Money in Sub-Saharan Africa

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Monday 10 Jul 2017 | Digital Inclusion | Global and regional studies | Mobile Money | Mobile Money Programme | Presentation | Report | Resource | State of the industry and trends | Sub-Saharan Africa |

This report looks at the growth of mobile money in Sub-Saharan Africa over the last decade. Early success in East Africa has spread to other parts of the region in improving financial inclusion, developing the mobile money ecosystem, ...

Global Mobile Money Dataset

Data

Thursday 27 Apr 2017 | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Resource | User insights and data |

The Global Mobile Money Dataset is a MS Excel workbook combining various data sources to enable increased access of mobile money data to support providers and the wider industry in enhancing performance and operational efficiency. The ...

2016 State of Mobile Money in West Africa

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Thursday 27 Apr 2017 | Global and regional studies | Mobile Money | Mobile Money Programme | Presentation | Resource | State of the industry and trends | Sub-Saharan Africa | User insights and data |

This report takes a closer look into mobile money in West Africa between 2011 and 2016, in particular the service availability and adoption; an uptick in customers adopting more sophisticated products; and the growth of agent networks ...

H.M. Queen Máxima of the Netherlands and the Power of Mobile Money

Video

Wednesday 1 Mar 2017 | English | Global | Mobile Money | Resource | Video |

H.M. Queen Máxima of The Netherlands talks about, how over the past 10 years, the rise of Mobile Money has demonstrated the power of mobile technology to reach the financially excluded.

2016 Decade Edition of the State of the Industry Report on Mobile Money

Video

Tuesday 28 Feb 2017 | Ecosystem payments | English | French | Global | Global and regional studies | Mobile for Development | Mobile Money | Mobile Money Programme | Operational best practices | Report | Resource | Spanish | State of the industry and trends |

With our State of the Industry Report on Mobile Financial Services now in its sixth year, this special 2016 edition is an opportunity to reflect on the incredible progress made over the last decade. While mobile money has been around ...

Licensing mobile money remittance providers: Early lessons

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Thursday 23 Feb 2017 | Ecosystem payments | English | Global | International remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Report | Resource |

A license is typically required to offer international remittance services in conjunction with a mobile money service. This publication analyses the licensing frameworks under the various regulatory regimes in Latin America, Africa and ...

The business case for payments banks in India

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Thursday 15 Dec 2016 | Case study | Ecosystem payments | English | India | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Report | Resource | South Asia |

A new model for mobile financial services is emerging in India. Payments banks will soon offer basic banking and payments services, leveraging mobile and other technologies to digitise payments and support widespread access to basic ...

The long road to interoperability in Jordan: Lessons for the wider industry

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Thursday 8 Dec 2016 | Case studies | Case study | Ecosystem payments | English | Interoperability | Jordan | Middle East and North Africa | Mobile Money | Mobile Money Programme | Operational best practices | Report | Resource |

At the beginning of 2016, Jordan became the first country in the Middle East and North Africa to have implemented interoperability of mobile money services. Over the past few years, the Central Bank of Jordan has developed a clear ...

Success factors for mobile money services: A quantitative assessment of success factors

Document

Friday 18 Nov 2016 | Ecosystem payments | English | Global | Mobile Money | Operational best practices | Resource |

To better understand the success factors for mobile money, the GSMA partnered with Shawn Cole, a professor at Harvard Business School, and Jake Kendall, the Director of DFS Lab at Caribou Digital, to examine the relative importance of ...

Driving a price revolution: Mobile money in international remittances

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Monday 31 Oct 2016 | Ecosystem payments | English | Financial services products | Global | International remittances | Mobile Money | Mobile Money Programme | Policy and regulation | Research | Resource |

In just a few years, mobile money has emerged from a purely domestic service to enabling transfers between more than 20 countries globally. The GSMA commissioned an independent data collection exercise to assess the impact of mobile ...

GSMA Mobile Money APIs

Document

Wednesday 26 Oct 2016 | Industry assets and standards | Mobile Money | Mobile Money Programme | Resource |

The GSMA Mobile Money team has published a first set of harmonised mobile money APIs to raise industry capabilities. Following a year-long industry engagement, these APIs were jointly designed by key stakeholders—mobile money ...

The impact of mobile money interoperability in Tanzania: Early data and market perspectives on account-to-account interoperability

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Thursday 29 Sep 2016 | Case studies | Case study | Ecosystem payments | English | Interoperability | Mobile Money | Mobile Money Programme | Resource | Sub-Saharan Africa | Tanzania |

The publication highlights the impact of mobile money interoperability in Tanzania, focusing on early data and market perspectives on account-to-account interoperability. This paper leverages both qualitative and quantitative ...

GSMA Mobile Money Infographic: Mobile Money in Latin America & the Caribbean 2016

Document

Wednesday 21 Sep 2016 | Ecosystem payments | English | Financial services products | Global and regional studies | Infographic | Latin America & the Caribbean | Mobile Money | Mobile Money Programme | Portuguese | Resource | Spanish | State of the industry and trends |

This infographic highlights the mobile money industry in Latin America & the Caribbean in 2016. Download infographic: