Mobile for Development Resources

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Mobile-enabled Economic Identities for Smallholder Farmers in Ghana

Document

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

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 | 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 | Digital Utilities | Energy | English | Global | Industry assets and standards | Interoperability | Mobile access and use | 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

Video

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

Video

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

Video

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

Video

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

Document

Friday 24 Aug 2018 | Digital Utilities | English | Innovation fund and grants | MNOs' operational and strategic issues | Mobile access and use | 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

Video

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

Video

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

Document

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

Video

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

Documents

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

Video

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

Video

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

Document

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

Document

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

Document

Wednesday 25 Apr 2018 | Case studies | Case study | Digital Utilities | Energy | English | Haiti | Innovation fund and grants | Latin America & the Caribbean | Mobile access and use | Mobile Money | Mobile Money Programme - filter | partnership-hub | Private-MNO | Private-Private | 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

Video

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.

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

Document

Thursday 29 Mar 2018 | Building the financial ecosystem | Case studies | Case study | English | Global | Interoperability | Latin America & the Caribbean | Mobile access and use | Mobile for Development | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | Digital literacy | English | Global | Industry assets and standards | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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 | 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 | Building the financial ecosystem | Digital literacy | East Asia and Pacific | English | Europe and Central Asia | Financial inclusion for women | Global | Global and regional studies | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile Money | Mobile Money Programme - filter | Resilient technology | Resource | South Asia | State of the industry and trends | Sub-Saharan Africa | 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 | Building the financial ecosystem | Digital Utilities | East Asia and Pacific | Energy | English | Europe and Central Asia | Financial inclusion for women | French | Gender | Global | Global and regional studies | Interoperability | Latin America & the Caribbean | Middle East and North Africa | Mobile access and use | Mobile for Development | Mobile internet for women | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Refugee crisis | Report | Research | Resource | South Asia | Spanish | State of the industry and trends | Sub-Saharan Africa | 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 ...

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

Document

Monday 29 Jan 2018 | Building the financial ecosystem | Case study | Digital Utilities | Energy | English | Financial inclusion for women | Industry assets and standards | Interoperability | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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

Document

Monday 15 Jan 2018 | AgriTech | Case studies | Case study | English | Ghana | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa |

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

Document

Friday 10 Nov 2017 | Case studies | Case study | Mobile for Humanitarian Innovation | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | English | Global and regional studies | Latin America & the Caribbean | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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 | English | French | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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

Document

Friday 20 Oct 2017 | Building the financial ecosystem | English | Global | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Presentation | Resource | 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

Document

Thursday 28 Sep 2017 | Building the financial ecosystem | Case study | Digital literacy | English | French | Interoperability | Kenya | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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

Document

Monday 18 Sep 2017 | Building the financial ecosystem | Digital literacy | English | Global | Guidelines | International remittances | Mobile Money | Mobile Money Programme - filter | 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 | Guatemala | Latin America & the Caribbean | Mobile access and use | Mobile Money | Mobile Money Programme - filter | 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 literacy | English | Financial inclusion for women | French | Gender | Mali | Mobile access and use | Mobile internet for women | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 20 Jul 2017 | Connected Society | East Asia and Pacific | English | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

Document

Monday 10 Jul 2017 | Global and regional studies | Mobile Money | Mobile Money Programme - filter | 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 - filter | Resource |

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

Document

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

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 | Building the financial ecosystem | English | French | Global | Global and regional studies | Mobile for Development | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 23 Feb 2017 | Building the financial ecosystem | English | Global | International remittances | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 15 Dec 2016 | Building the financial ecosystem | Case study | English | India | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 8 Dec 2016 | Building the financial ecosystem | Case studies | Case study | English | Interoperability | Jordan | Middle East and North Africa | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | English | Global | Mobile Money | 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

Document

Monday 31 Oct 2016 | Building the financial ecosystem | English | Global | International remittances | Mobile Money | Mobile Money Programme - filter | 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 - filter | 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

Document

Thursday 29 Sep 2016 | Building the financial ecosystem | Case studies | Case study | English | Interoperability | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | English | Global and regional studies | Infographic | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | 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:

Companion cards & mobile money: Industry landscape, insights and considerations

Document

Tuesday 20 Sep 2016 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource |

Companion cards—debit or pre-paid cards tied to a mobile money account—have become increasingly common in recent years. This publication equips mobile money providers with more detail on common use cases and how companion cards fit ...

GSMA Mobile Money Infographic: International Remittances via Mobile Money – Changing Lives and Livelihoods

Document

Thursday 16 Jun 2016 | Building the financial ecosystem | English | Global | Infographic | International remittances | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | State of the industry and trends |

This infographic highlights some of the benefits of international remittances via mobile money.      

2015 Mobile Insurance, Savings & Credit Report

Document

Monday 23 May 2016 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Report | Resource | State of the industry and trends |

In 2015, mobile insurance, mobile savings, and mobile credit continue to positively impact the lives of unbanked or underserved people and the wider the mobile financial services ecosystem. This report looks at the availability and ...

2015 State of the Industry Report on Mobile Money

Document

Tuesday 23 Feb 2016 | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

Since 2011, GSMA Mobile Money has been tracking the progress of the mobile money industry through the State of the Industry Report on Mobile Money. Now in its fifth year, this report explores mobile money availability and the spread of ...

Choosing a technical model for A2A interoperability: Lessons from Tanzania and Pakistan

Document

Thursday 28 Jan 2016 | Case study | English | Interoperability | Mobile Money | Pakistan | Research | Resource | South Asia | Sub-Saharan Africa | Tanzania |

This case study explores how the market context in each country influenced the rationale for A2A interoperability; how the providers decided on their particular technical model; how the technical models and implementation processes ...

Safeguarding Mobile Money: How providers and regulators can ensure that customer funds are protected

Document

Thursday 21 Jan 2016 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource |

This paper focuses on how regulators can effectively safeguard customer funds when a nonbank issues mobile money. In countries where this is permitted, regulators and nonbank mobile money issuers have taken a number of steps to ...

Mobile money regulation and policies in Paraguay: Vision, market dynamics and industry perspectives

Document

Thursday 12 Nov 2015 | Case study | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Paraguay | Policy and regulation | Resource | Spanish |

This publication traces the different stages of the mobile money regulation in Paraguay, from its inception to the design and implementation of an enabling regulatory model, showing that by creating ...

Spotlight on Rural Supply: Critical factors to create successful mobile money agents

Document

Wednesday 7 Oct 2015 | Case study | Chad | English | Mali | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Sub-Saharan Africa |

Although mobile money services have extended further into rural areas than more traditional financial services have been able to in the past, rural customers still remain an underserved segment. A key barrier to reaching these ...

Paying school fees with mobile money in Côte d’Ivoire

Document

Monday 5 Oct 2015 | Building the financial ecosystem | Case studies | Case study | Cote d'Ivoire | English | French | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa |

This case study highlights the success of the school registration fees payment initiative in Côte d’Ivoire, a concrete example which demonstrates that when operators and governments in mature mobile money markets collaborate, whole ...

Operational guidelines for interoperability: A customer-centric approach

Document

Tuesday 15 Sep 2015 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | Research | Resource |

This publication sets out operational guidelines for mobile money providers to consider when introducing an interoperable service for their customers. Successful A2A interoperability should bring significant benefits for providers and ...

Proportional risk-based AML/CFT regimes for mobile money: A framework for assessing risk factors and mitigation measures

Document

Thursday 6 Aug 2015 | English | Global | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource |

This publication aims to help regulators understand the risks posed by mobile money services and the measures mobile money service providers are taking to mitigate these risks, both of which can help inform the design of efficient and ...

Mobile Money Operational Assessment

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Tuesday 23 Jun 2015 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This Operational Assessment offers a quick diagnostic of the foundations (such as distribution, organisational structure, and marketing) in a mobile money service, and is designed to identify barriers that might inhibit the growth of ...

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

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Tuesday 26 May 2015 | English | Global and regional studies | Infographic | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Spanish | State of the industry and trends |

This infographic highlights the current state of mobile money availability, adoption, accessibility and usage in Latin America & the Caribbean. Download:

Mobile financial services in Latin America & the Caribbean: State of play, commercial models, and regulatory approaches

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Wednesday 13 May 2015 | English | Global and regional studies | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource | Spanish | State of the industry and trends |

This publication provides a snapshot of the current state of mobile financial services in Latin America and the Caribbean, analyses the commercial models being employed in different market segments, and discusses the regulatory ...

Mobile money crosses borders: New remittance models in West Africa

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Monday 30 Mar 2015 | Building the financial ecosystem | Case study | English | French | International remittances | Mobile Money | Mobile Money Programme - filter | Resource | Spanish | Sub-Saharan Africa |

A promising new model is emerging for cross-border remittances with mobile money as both the sending and the receiving channel. This paper draws commercial insights from two early examples in the West African Economic Monetary Union ...

State of the Industry 2014: Mobile Financial Services for the Unbanked

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Monday 2 Mar 2015 | English | French | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

MMU has been tracking the progress of the mobile money industry since 2011. Each year, MMU’s State of the Industry report contains key findings and insights on the growth of the industry, including mobile money, mobile insurance, ...

Sylvie: A Tigo Cash Agent in Rwanda

Video

Monday 23 Feb 2015 | Case studies | Connected Women | English | Gender | Life stories | Mobile Money | Mobile Money Programme - filter | Resource | Resource Type | Rwanda | Sub-Saharan Africa | Type | Video |

Tigo’s Cash service facilitates micro-transactions that are safe, fast, and affordable. It also transforms the lives of its many agents, enabling them to progress their careers and contribute to their families. Here, we speak to ...

Enabling Mobile Money Policies in Kenya: Fostering a Digital Financial Revolution

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Thursday 12 Feb 2015 | Case studies | Case study | English | Kenya | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Sub-Saharan Africa |

This case study traces the early stages of mobile money development in Kenya, from its conceptualisation to the design and codification of a suitable regulatory model, showing that by creating an enabling regulatory environment and ...

A2A Interoperability Commercial Models Toolkit – Overview

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Thursday 15 Jan 2015 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This presentation accompanies the ‘A2A Interoperability Commercial Models Toolkit.’ The toolkit provides a mechanism to build a simple model for interoperability of account to account (A2A) transfers between mobile money schemes. The ...

Mobile money profitability: A digital ecosystem to drive healthy margins

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Thursday 20 Nov 2014 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

This paper evaluates the profitability of mobile money by estimating profit margins for three different scenarios, and highlights the internal challenges mobile operators may encounter along the way. Download:

Code of Conduct for Mobile Money Providers

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Thursday 6 Nov 2014 | English | French | Global | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource | Spanish |

This Code of Conduct identifies principles aimed at promoting mobile money providers' adoption of consistent risk mitigation practices in certain critical areas of their business. For the mobile money sector to continue to drive the ...

Zoona – Zambia, Malawi

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Monday 3 Nov 2014 | Building the financial ecosystem | Case studies | Case study | English | Malawi | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa | Zambia |

Zoona - pronounced ‘Z-oh-na’ and meaning ‘it’s real’ - is the leading mobile money provider in Zambia. The company's core product is a mobile-based Zoona Account. Transactions are ...

Extending reach: Mobile money in rural areas

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Thursday 16 Oct 2014 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

This publication provides a snapshot of service providers that have crafted tailored strategies to drive uptake of their services in rural areas and tackle uniquely rural challenges.This is the fourth publication in a series of deeper ...

Beyond vouchers: Meeting growing demand for off-net P2P transfers

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Thursday 9 Oct 2014 | English | Global | Interoperability | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

This publication examines the role of vouchers in mature mobile money markets and points to the challenges providers will need to address in order to create better long- term value for their customers and meet demand for P2P ...

Setting up shop: Strategies for building effective merchant payment networks

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Thursday 2 Oct 2014 | Building the financial ecosystem | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

This publication addresses barriers that prevent merchant payments from scaling using mobile money and highlights some of the key tactics that mobile money providers are using to increase adoption. This is the second publication in a ...

GSMA MMU Infographic: The Kenyan Journey to Digital Financial Inclusion

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Monday 29 Sep 2014 | Case studies | English | Infographic | Kenya | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Resource | Sub-Saharan Africa |

This infographic highlights The Kenyan Journey to Digital Financial Inclusion, covering Outreach, Policy and Market Development activities in Kenya from 2005 to mid-2014.

Reaching half of the market: Women and mobile money

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Wednesday 10 Sep 2014 | Building the financial ecosystem | Connected Women | English | French | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme - filter | Programme | Region | Report | Research | Resource | Resource Type | Spanish | State of the industry and trends | Type |

This publication addresses barriers that prevent women from accessing and using mobile money, and highlights some of the key tactics that mobile money providers can use to increase penetration amongst women. This is the first ...

Smartphones & Mobile Money: The Next Generation of Digital Financial Inclusion

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Thursday 10 Jul 2014 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish | State of the industry and trends |

Global smartphone adoption is set to ramp up massively in the coming years, particularly in developing markets. As more unbanked consumers gain access to smartphones and mobile internet services, new opportunities for mobile financial ...

Self Assessment Risk Management Toolkit – Summary

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Monday 9 Jun 2014 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This presentation outlines the scope, content and reporting functionality of the Mobile Money Risk Toolkit published June 2014.

Self Assessment Risk Management – Executive Overview

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Monday 9 Jun 2014 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Toolkit |

This presentation is aimed to provide senior managers and C-levels an overview of risk management in mobile money as well as an introduction to the Mobile Money Risk Toolkit.

Mobile money in Côte d’Ivoire: A turnaround story

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Friday 2 May 2014 | Case studies | Case study | Cote d'Ivoire | English | French | Mobile Money | Mobile Money Programme - filter | Resource | Spanish | Sub-Saharan Africa |

The story of mobile money in Côte d’Ivoire demonstrates that mobile money can be successful even in markets where it struggled initially, and that it is possible for a slow- growing mobile money service to become a ...

Enabling Mobile Money Policies in the Democratic Republic of Congo

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

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

Kopo Kopo – Kenya

Document

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

GSMA MMU Infographic: Mobile Money in Tanzania

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

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