Mobile for Development Resources

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Mobile money: Regional deep-dives in Africa, Asia and Latin America & the Caribbean

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Tuesday 17 Nov 2020 | Building the financial ecosystem | English | Latin America & the Caribbean | Mobile Money | Policy and regulation | Research | Resource | State of the industry and trends |

The global mobile money industry 2019 marked a major milestone for the mobile money industry: the number of registered mobile money accounts surpassed one billion. Reaching the one billion mark is a tremendous achievement for ...

New perspectives: How COVID-19 has shifted sustainability priorities in the mobile sector

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Monday 16 Nov 2020 | English | Global | Mobile Money | Report | Resource |

The COVID-19 pandemic has brought with it an unprecedented human and economic crisis, affecting all corners of the world. As governments have grappled with responding to the rapidly evolving crisis, the role and expectations on private ...

The Value of Open APIs to Grow the Mobile Money Ecosystem

Video

Tuesday 3 Nov 2020 | Building the financial ecosystem | East Asia and Pacific | Mobile Money | Presentation | Resource | Thrive APAC Sessions | Video |

Mobile money continues to grow across Asia Pacific, having surpassed 473 million accounts in 2019. Ecosystem development remains a top priority for mobile money providers in the region. By providing easily accessible APIs, providers can enable seamless ...

The state of mobile money in Asia

Video

Tuesday 3 Nov 2020 | Building the financial ecosystem | English | Interoperability | Mobile Money | Resource | State of the industry and trends | Thrive APAC Shorts | Video |

Explore the state of the mobile money industry in Asia.

Webinar on demand:
Beyond one billion: Exploring the state of mobile money in Africa

Video

Wednesday 14 Oct 2020 | Building the financial ecosystem | English | Financial inclusion for women | Gender | Interoperability | Mobile Money | Policy and regulation | Research | Resource | State of the industry and trends | Webinar |

As part of Financial Inclusion Week, we hosted a webinar to deep dive into Africa’s core mobile money trends over the past year. Watch now to hear the team behind the State of the Industry Report on Mobile Money 2019 uncover the key findings.

Mobile money in the time of a crisis: Interview with the World Food Programme

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Wednesday 14 Oct 2020 | Building the financial ecosystem | English | Global | Mobile for Humanitarian Innovation | Mobile Money | Resource | Video |

As part of the Mobile Money Leadership Forum at GSMA Thrive Africa, we asked Enrica Porcari, Chief Information Officer at the World Food Programme, for her perspectives on the unique role of mobile money in humanitarian contexts during a crisis.

Mobile money in the time of a crisis: Interviews with Orange Money Senegal and Irembo

Video

Wednesday 14 Oct 2020 | Building the financial ecosystem | English | Mobile Money | Resource | Rwanda | Senegal | Sub-Saharan Africa | Video |

As part of the Mobile Money Leadership Forum at GSMA Thrive Africa, we spoke to Ramatoulaye A. Diallo, CEO of Orange Mobile Financial Services Senegal and Faith Keza, CEO of Irembo, about the unique role of mobile money during the COVID-19 crisis.

Interviews with MTN Group, KaiOs, GoPay and the Bill & Melinda Gates Foundation

Videos

Tuesday 13 Oct 2020 | Building the financial ecosystem | English | Global | Mobile Money | Resource | Thrive Africa Shorts | Video |

Interviews with MTN Group, KaiOs, GoPay and the Bill & Melinda Gates Foundation on the transformative potential of technological innovation, particularly during the COVID-19 pandemic.

Digitalising person-to-government payments

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Thursday 1 Oct 2020 | Building the financial ecosystem | English | Global | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Research | Resource |

Mobile technology plays a key role in the digital transformation of governments, enabling efficient delivery of government services and improved access for citizens and businesses. Digitalisation makes government services and payments ...

Webinar on demand:
Beyond one billion: Exploring Asia’s mobile money landscape

Video

Thursday 10 Sep 2020 | Building the financial ecosystem | East Asia and Pacific | Mobile Money | Research | South Asia | State of the industry and trends | Webinar |

Hear from the team behind the State of the Industry Report on Mobile Money 2019 to uncover the key findings of Asia’s mobile money landscape.

Videocast: The many paths to mobile money interoperability: Selecting the right model for your market

Video

Thursday 6 Aug 2020 | Building the financial ecosystem | Global | Interoperability | Mobile for Development | Mobile Money | Research | Resource | Video |

A short videocast exploring the key findings and insights from the report 'There are many paths to mobile money interoperability: Selecting the right model for your market.'

QR Code Merchant Payments. A growth opportunity for mobile money providers

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Thursday 1 Oct 2020 | Interoperability | Middle East and North Africa | Mobile access and use | Mobile for Development | Mobile Money | Programme | Report | Resource Type | Sub-Saharan Africa | Type |

QR code payments are enjoying significant but fragmented global growth, often competing with long-established payment methods, such as card payments. This report looks at some of the most successful schemes around the world and why they are successful.

Why is there a need for the GSMA Mobile Money API Specification? A comparison with other industry standards

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Thursday 30 Jul 2020 | Building the financial ecosystem | English | Industry assets and standards | Mobile Money | Mobile Money Programme - filter |

This paper examines the different approaches mobile money providers could potentially use to deliver open APIs, and outlines the findings of analysis undertaken on the scope of the existing API standards and APIs, and how they compare with the GSMA API.

The GSMA Mobile Money API: Building seamless integrations

Video

Friday 24 Jul 2020 | Building the financial ecosystem | English | Mobile for Development | Mobile Money | Resource | Video |

Hear from Bart-Jan Pors, Director of Inclusive Financial Technology, with the latest updates on the GSMA Mobile Money API, from the many benefits it brings, to our state-of-the-art developer tools, to how you ...

Mobile Money: Driving formalisation and building the resilience of MSMEs

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Thursday 25 Jun 2020 | Building the financial ecosystem | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Report | Resource |

Explore how mobile money can help informal MSMEs access financial services and overcome some of the barriers to entering the formal economy and, in turn, boost productivity, job creation and economic growth.

The causes and consequences of mobile money taxation: An examination of mobile money transaction taxes in sub-Saharan Africa

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Thursday 18 Jun 2020 | Building the financial ecosystem | English | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Research | Resource | Sub-Saharan Africa |

A fresh look at the subject of mobile money taxation in sub-Saharan Africa, through the lens of taxation and development. We look at what the motivating forces are for these taxes and identify some of the unintended consequences.

Tracking the journey towards mobile money interoperability: Emerging evidence from six markets: Tanzania, Pakistan, Madagascar, Ghana, Jordan and Uganda

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Friday 12 Jun 2020 | Building the financial ecosystem | Case studies | Case study | English | Global | Global and regional studies | Interoperability | Mobile Money | Mobile Money Programme - filter | Report | Research | Resource |

This report features the interoperability journeys and lessons of six countries: Tanzania, Pakistan, Madagascar, Ghana, Jordan and Uganda.

Webinar on demand: Beyond one billion: Exploring the state of the mobile money industry

Video

Friday 12 Jun 2020 | Building the financial ecosystem | English | Global | Interoperability | Mobile Money | Policy and regulation | Research | Resource | State of the industry and trends | Webinar |

Hear from the author of the State of the Industry Report on Mobile Money 2019 and understand the key trends and insights beyond the data.

Many paths to mobile money interoperability: Selecting the right technical model for your market

Document

Friday 12 Jun 2020 | Building the financial ecosystem | English | Global | Global and regional studies | Interoperability | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Report | Resource |

This report presents four technical models for interoperability in mobile money markets and includes a framework for selecting the right one.

(Videocast) Mobile money API industry report: Towards seamless integrations

Video

Tuesday 2 Jun 2020 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Research | Resource | Video |

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 money recommendations to central banks in response to COVID-19

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Monday 27 Apr 2020 | Bangladesh | Building the financial ecosystem | Cameroon | Democratic Republic of Congo | Disaster response | Egypt | English | Ghana | Global | Guidelines | Indonesia | Kenya | Mobile Money | Mobile Money Programme - filter | Nigeria | Pakistan | Policy and regulation | Regulation | Resource | Senegal | Uganda | Zambia |

Examines the impacts of COVID-19 on mobile money business and provides broad recommendations that could be taken to ensure business continuity and sustainability.

The GSMA Instant Payment Notification (IPN) Hub: Impact and insights from inception to industry transition

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Monday 20 Apr 2020 | Energy | English | Innovation fund and grants | Mobile access and use | Mobile for Development Utilities | Mobile Money | Report | Sub-Saharan Africa |

We are pleased to announce the publication of the GSMA Instant Payment Notification (IPN) Hub case study where we explore its impact and our insights since it was piloted in Rwanda in December 2016 until its ongoing transition to the industry.

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

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Friday 3 Apr 2020 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Report | Resource |

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.

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

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Tuesday 31 Mar 2020 | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report |

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 ...

Mobile money API industry report: Towards seamless integrations

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Thursday 26 Mar 2020 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | Report | Research | Resource |

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 Money Regulatory Index 2019

Document

Wednesday 25 Mar 2020 | Infographic | Latin America & the Caribbean | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report | Research | Resource | South Asia | State of the industry and trends | Sub-Saharan Africa |

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.

State of the Industry Report on Mobile Money 2019

Documents

Wednesday 25 Mar 2020 | Accelerating Digital and Financial Inclusion | AgriTech | Asia and Australia | Building the financial ecosystem | Case study | Connected Women | East Asia and Pacific | Energy | English | Europe and Central Asia | Financial inclusion for women | French | Gender | Global | Global and regional studies | Infographic | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile for Development | Mobile for Development Utilities | Mobile for Humanitarian Innovation | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Regulation | Report | Research | Resource | South Asia | Spanish | State of the industry and trends | Sub-Saharan Africa | Video |

This year’s report examines what one billion registered accounts signify for the mobile money industry, mobile money users and the future of the mobile money ecosystem; moving us a step closer to a digital future for all.

Mobile Money Live Learning in Indonesia

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Monday 23 Mar 2020 | Building the financial ecosystem | East Asia and Pacific | English | Indonesia | Mobile Money | Resource | Video |

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 ...

How to become GSMA Mobile Money Certified

Videos

Thursday 12 Mar 2020 | Building the financial ecosystem | English | Global | Mobile for Development | Mobile Money | Resource | Video |

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

How to join the GSMA Inclusive Tech Lab

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Monday 2 Mar 2020 | Building the financial ecosystem | English | Global | Mobile for Development | Mobile Money | Resource | Video |

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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Wednesday 4 Mar 2020 | AgriTech | Assistive Tech | Connected Society | Connected Women | Digital Identity | Ecosystem Accelerator | Global | Mobile for Development Utilities | Mobile for Humanitarian Innovation | Mobile Money | Resource |

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 ...

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

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Tuesday 17 Dec 2019 | Building the financial ecosystem | Case studies | Case study | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Report | Resource |

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.

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

Video

Friday 1 Nov 2019 | Building the financial ecosystem | English | Global | Mobile Money | Resource | Video |

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 Ruan Swanepoel: How does mobile money contribute to the SDGs?

Video

Friday 1 Nov 2019 | Building the financial ecosystem | English | 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 | Building the financial ecosystem | Digital Identity | English | 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 | Building the financial ecosystem | Connected Women | English | Financial inclusion for women | Gender | Global | Mobile Money | 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.

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

Video

Friday 1 Nov 2019 | AgriTech | Building the financial ecosystem | English | Global | Mobile Money | Resource | Video |

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)

MTN’s GSMA Mobile Money Certification journey

Video

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.

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

Video

Friday 18 Oct 2019 | Building the financial ecosystem | English | Global | Mobile Money | 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

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Thursday 17 Oct 2019 | Building the financial ecosystem | English | Financial inclusion for women | Gender | Global | Interoperability | Mobile health | Mobile Money | Mobile Money Programme - filter | 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 | Podcasts | 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

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Wednesday 11 Sep 2019 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

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Wednesday 11 Sep 2019 | Building the financial ecosystem | English | Global | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Policy and 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

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Friday 28 Jun 2019 | Building the financial ecosystem | English | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | English | Global | Interoperability | Mobile Money | 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 | Building the financial ecosystem | English | 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.

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

Video

Thursday 25 Apr 2019 | Building the financial ecosystem | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | 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 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 | Building the financial ecosystem | English | 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 | 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.

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

Documents

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

Documents

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 | Building the financial ecosystem | English | Global | Interoperability | Mobile Money | Resource | 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

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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 | Building the financial ecosystem | English | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Policy and 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 | Building the financial ecosystem | English | Global | Mobile Money | Mobile Money Programme - filter | Policy and 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 | Building the financial ecosystem | English | Global | Mobile Money | Mobile Money Programme - filter | Policy and 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 | Building the financial ecosystem | English | Global | Mobile Money | Mobile Money Programme - filter | Policy and 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 | 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 2018

Documents

Thursday 21 Mar 2019 | Building the financial ecosystem | East Asia and Pacific | English | French | Global | Middle East and North Africa | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Resource | South Asia | Sub-Saharan Africa |

Visit the Mobile Money Regulatory Index homepage for the latest resources and updates. [button text="Visit the homepage" ...

Brad Jones, CEO, Wave Money

Video

Tuesday 19 Mar 2019 | Accelerating Digital and Financial Inclusion | Building the financial ecosystem | Connected Women | English | Financial inclusion for women | Gender | Mobile Money | 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 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

The GSMA Mobile Money Certification in 2019

Video

Tuesday 12 Mar 2019 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | Resource |

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

Mobile-enabled Economic Identities for Smallholder Farmers in Ghana

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

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 | Financial inclusion for women | Gender | Ghana | Mobile internet for women | Mobile Money | 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 | Building the financial ecosystem | East Asia and Pacific | English | Global | Global and regional studies | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Report | Research | Resource | 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 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

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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 | Building the financial ecosystem | English | Global | Mobile Money | Mobile Money Programme - filter | Policy and 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 | 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.

Transforming Women’s Lives with Mobile: UNGA Panel

Video

Tuesday 23 Oct 2018 | Building the financial ecosystem | Connected Women | Digital Identity | Digital literacy | Financial inclusion for women | Gender | Mobile access and use | Mobile for Development | Mobile health | Mobile internet for women | Mobile Money | 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 | Building the financial ecosystem | Energy | English | Global | Industry assets and standards | Interoperability | Mobile access and use | Mobile for Development Utilities | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | English | Global | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Policy and 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 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | English | Global | Guidelines | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Policy and 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 | Building the financial ecosystem | East Asia and Pacific | English | Europe and Central Asia | Global | Latin America & the Caribbean | Middle East and North Africa | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Report | Research | Resource | South Asia | State of the industry and trends | Sub-Saharan Africa |

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 | 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 ...

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

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Wednesday 29 Aug 2018 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile Money | Mobile Money Programme - filter | 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.

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

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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

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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

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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.

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

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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 - filter | Research | Resource | South Asia | State of the industry and trends | Sub-Saharan Africa | 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

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Thursday 16 Aug 2018 | Building the financial ecosystem | El Salvador | English | Financial inclusion for women | Global | International remittances | Mobile for Development | Mobile Money | Mobile Money Programme - filter | Resource | 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.

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

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Wednesday 15 Aug 2018 | Building the financial ecosystem | English | Global | International remittances | Mobile Money | Mobile Money Programme - filter | 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.

Mobile money app security best practices

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Tuesday 7 Aug 2018 | Building the financial ecosystem | English | Global | Guidelines | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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 ...

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

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Tuesday 7 Aug 2018 | Building the financial ecosystem | English | Global | International remittances | Mobile Money | Mobile Money Programme - filter | 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.

Innovative mobile digital identity solutions: Financial inclusion and Birth Registration

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Wednesday 18 Jul 2018 | Building the financial ecosystem | Case study | Digital Identity | English | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Policy and 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

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Thursday 5 Jul 2018 | Building the financial ecosystem | Case study | English | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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

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Friday 15 Jun 2018 | Blog | Building the financial ecosystem | Digital literacy | English | Global | International remittances | Mobile access and use | Mobile for Development | Mobile Money | Mobile Money Programme - filter | 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’s Claire Scharwatt on international remittances via mobile money

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Wednesday 13 Jun 2018 | Building the financial ecosystem | English | Global | International remittances | Mobile Money | Mobile Money Programme - filter | 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.

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

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Wednesday 16 May 2018 | Building the financial ecosystem | Case study | English | Global | Industry assets and standards | Interoperability | Mobile for Development | Mobile Money | Mobile Money Programme - filter | 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

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Tuesday 8 May 2018 | Building the financial ecosystem | English | Gender | Global | Infographic | International remittances | Interoperability | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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

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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 Money | Mobile Money Programme - filter | Resource |

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

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Thursday 12 Apr 2018 | Building the financial ecosystem | English | Global | Industry assets and standards | Mobile for Development | Mobile Money | Mobile Money Programme - filter | 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

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.