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2017 State of the Industry Report on Mobile Money

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

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

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

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

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

Opportunities in agricultural value chain digitisation: Learnings from Ghana

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

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

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

Video

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

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

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

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

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

2016 Mobile Money in Latin America and the Caribbean

Presentation

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

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

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

Documents

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

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

Taxation and mobile money in Tanzania

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

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

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

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

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

Guidelines on International Remittances through Mobile Money

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

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

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

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

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

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

Video

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

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

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

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

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

2016 State of Mobile Money in Sub-Saharan Africa

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

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

Global Mobile Money Dataset

Data

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

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

2016 State of Mobile Money in West Africa

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

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

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

Video

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

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

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

Video

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

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

Licensing mobile money remittance providers: Early lessons

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

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

The business case for payments banks in India

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

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

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

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

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

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

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

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

Driving a price revolution: Mobile money in international remittances

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

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

GSMA Mobile Money APIs

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

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

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

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

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

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

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

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

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

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Tuesday 20 Sep 2016 | Ecosystem payments | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | 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

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Thursday 16 Jun 2016 | Ecosystem payments | English | Global | Infographic | International remittances | Mobile Money | Mobile Money Programme | 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

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Monday 23 May 2016 | English | Financial services products | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | 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

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Tuesday 23 Feb 2016 | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme | 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

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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

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Thursday 21 Jan 2016 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | 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

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

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Wednesday 7 Oct 2015 | Case study | Chad | English | Mali | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | 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

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Monday 5 Oct 2015 | Case studies | Case study | Cote d'Ivoire | Ecosystem payments | English | French | Mobile Money | Mobile Money Programme | 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

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Tuesday 15 Sep 2015 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme | 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

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Thursday 6 Aug 2015 | English | Global | Mobile Money | Mobile Money Programme | Operational best practices | Policy and regulation | 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 | Operational best practices | 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 | 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 | 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 | Case study | Ecosystem payments | English | French | International remittances | Mobile Money | Mobile Money Programme | 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 | 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 | 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 | 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 | 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 | Ecosystem payments | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | 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 | Operational best practices | Policy and regulation | 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 | Case studies | Case study | Ecosystem payments | English | Financial services products | Malawi | Mobile Money | Mobile Money Programme | Resource | Sub-Saharan Africa | User insights and data | 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 | Operational best practices | 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 | Operational best practices | 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 | Ecosystem payments | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | 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 | 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 | Connected Women | English | Financial services products | French | Global | MNOs' operational and strategic issues | Mobile access and use | Mobile Money | Mobile Money Programme | Operational best practices | Programme | Region | Report | Research | Resource | Resource Type | Spanish | State of the industry and trends | Type | User insights and data |

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 | 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 | Operational best practices | 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 | Operational best practices | 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 | Operational best practices | 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 | 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

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Friday 4 Apr 2014 | Case studies | Case study | Ecosystem payments | English | Financial services products | Global | Kenya | Mobile Money | Mobile Money Programme | Resource | User insights and data |

GSMA MMU Infographic: Mobile Money in Tanzania

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

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

Enabling Mobile Money Policies in Tanzania

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

Tanzania is a mobile money and digital financial inclusion success story. This case study showcases this journey that has produced a number of lessons for policymaking and regulatory authorities, as well as for the ...

Results from State of the Industry 2013: Mobile Financial Services for the Unbanked – Presentation Slides

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Tuesday 11 Mar 2014 | Ecosystem payments | English | Financial services products | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Presentation | Resource | State of the industry and trends |

On February 24th at Mobile World Congress, the Mobile Money for the Unbanked team presented an overview of the results of the 2013 State of the Industry Report. View and download the presentation slides here.

A2A Interoperability: Making Mobile Money Schemes Interoperate

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Thursday 6 Mar 2014 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme | Research | Resource |

Interoperability in the context of mobile money can mean many different things, but one of the most often cited use cases is for Mobile Money Operators (MMOs) to provide the ability for customers to undertake money transfers between ...

Promising starts in mobile microinsurance: Tigo Senegal & Telenor Pakistan

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Monday 3 Mar 2014 | Case studies | Case study | English | Financial services products | Mobile Money | Mobile Money Programme | Pakistan | Resource | Senegal | South Asia | Spanish | Sub-Saharan Africa |

The poor in developing countries are disproportionately impacted by financial shocks and lack financial safety nets to cope with crises. An unexpected shock, such as a medical emergency or the death of a breadwinner, can confine a ...

Promising Starts in Mobile Microinsurance: Tigo Senegal & Telenor Pakistan

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Tuesday 25 Feb 2014 | Case study | English | Financial services products | Mobile Money | Pakistan | Resource | Senegal | South Asia | Spanish | Sub-Saharan Africa |

The global microinsurance market is estimated at 4 billion individuals, but the cost of selling and administering low-value policies makes microinsurance uneconomical for many traditional providers. Mobile phones have the potential to ...

State of the Industry 2013: Mobile Financial Services for the Unbanked

Document

Monday 24 Feb 2014 | Ecosystem payments | English | Financial services products | French | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Research | Resource | Spanish | State of the industry and trends |

MMU has been tracking the progress of the mobile money industry for the past few years. Each year, MMU’s State of the Industry report contains key findings and insights on the growth of the sector. This year, for the first time, the ...

Mobile Money: the Opportunity for India – MMAI & GSMA Submission to the Reserve Bank of India (RBI)

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Thursday 14 Nov 2013 | Case studies | English | India | Mobile Money | Mobile Money Programme | Policy and regulation | Research | Resource | South Asia |

The Mobile Money Association of India (MMAI) and the GSMA are submitting this position paper to the Reserve Bank of India (RBI) Committee on Comprehensive Financial Services for Small Businesses and Low-Income Households to provide ...

Mobile Money for the Unbanked Case Studies: Insights, best practices and lessons from across the globe – Zimbabwe, Pakistan and Somaliland, Indonesia, Sri Lanka

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Thursday 31 Oct 2013 | Case studies | Case study | English | Global | Mobile Money | Mobile Money Programme | Operational best practices | Resource |

A compendium of case studies from the Mobile Money for the Unbanked Programme, discussing in detail many of the success stories and innovations from the mobile money industry.

KPIs in Mobile Money: A Reference Guide

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Monday 21 Oct 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Presentation | Resource |

This presentation aims to address this question through defining a KPI, identifying pitfalls in creating KPIs and illustrating some examples of effective KPIs for mobile money teams. While these examples are not exhaustive, they ...

Implementing mobile money interoperability in Indonesia

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Monday 14 Oct 2013 | Case study | East Asia and Pacific | English | Indonesia | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme | Resource | Spanish |

In this case study, MMU provides a snapshot of the implementation of mobile money interoperability in Indonesia--specifically, how it came to be that three independent mobile operators worked together to make real-time transfers across ...

Getting the Most Out of Your Data – Segmenting Your Mobile Money Customer Base to Drive Usage

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Thursday 25 Jul 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Presentation | Resource | Spanish | Toolkit |

This presentation will provide new tools for operators to drive regular usage by segmenting their mobile money customer base. Download:

GSMA MMU Infographic: The Rise of eZ Cash – Sri Lanka

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Thursday 18 Jul 2013 | Case studies | English | Infographic | Mobile Money | Mobile Money Programme | Policy and regulation | Resource | South Asia | Sri Lanka |

This infographic highlights The Rise of eZ Cash in Sri Lanka from 2005 to 2013.

Enabling Mobile Money Policies in Sri Lanka: The Rise of eZ Cash

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Thursday 18 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme | Policy and regulation | Resource | South Asia | Sri Lanka |

For the Central Bank of Sri Lanka (CBSL), 2012 was the culmination of a 5-year effort to establish an enabling regulatory framework for mobile money that opened the market to both bank and non-bank providers and extended services to ...

Mobile Money in the Democratic Republic of Congo: Market insights on consumer needs and opportunities in payments and financial services

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Thursday 11 Jul 2013 | Case studies | Case study | Democratic Republic of Congo | English | Financial services products | French | Mobile Money | Mobile Money Programme | Operational best practices | Research | Resource | Sub-Saharan Africa |

Given the potentially large user base and low penetration of financial services, the Democratic Republic of Congo (DRC) seems to hold significant commercial opportunity for mobile money. At 17.5%, the penetration of mobile exceeds the ...

Mobile Money for the Unbanked 101: A Guide to Commercial Best Practice

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Tuesday 9 Jul 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Research | Resource |

This commercial guide has been written primarily with wallet-based MNO-led services in mind. However, since it covers the main topics in mobile money services it is likely to have relevance to services led by banks or third parties ...

Easypaisa: Mobile Money Innovation in Pakistan

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Friday 5 Jul 2013 | Case study | English | Mobile Money | Operational best practices | Pakistan | Resource | South Asia | Spanish |

Easypaisa, a mobile money service launched in Pakistan in 2009, serves more than five million customers a month through 25,000 points of service. By the end of 2012, it had processed more than 100 million transactions with a throughput ...

Innovative Inclusion: How Telesom ZAAD Brought Mobile Money to Somaliland

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Wednesday 3 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme | Operational best practices | Resource | Somaliland | Spanish | Sub-Saharan Africa |

This case study details the success of Telesom ZAAD and the factors underlying this success. The objective for Telesom’s mobile money service, in the words of its CEO, has always been to bring financial inclusion to Somaliland. It was ...

Big ambition meets effective execution: How EcoCash is altering Zimbabwe’s financial landscape

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Monday 1 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme | Operational best practices | Resource | Spanish | Sub-Saharan Africa | Zimbabwe |

Just 18 months after launch, the results are impressive: 2.3 million Zimbabweans have registered for EcoCash mobile money accounts, outnumbering all of Zimbabwe’s traditional bank accounts combined.This case study highlights how big ...

Platforms for Successful Mobile Money Services

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Thursday 27 Jun 2013 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Research | Resource | Spanish |

Based on extensive research of mobile money service providers and platform vendors, this paper aims to help service providers identify the functional and technical features they require for a platform to meet their business needs. The ...

Orange Mobile Money – Madagascar

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Wednesday 1 May 2013 | Case studies | Case study | Ecosystem payments | English | Financial services products | Madagascar | Mobile Money | Mobile Money Programme | Resource | Sub-Saharan Africa | User insights and data |

MMU Spotlight: Direct Deposits

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Monday 15 Apr 2013 | Case study | English | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Resource |

This MMU Spotlight discusses the significance of ‘direct deposits’ to mobile money operators and how they can be addressed.

Results from the 2012 Global Mobile Money Adoption Survey – Presentation Slides

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Monday 11 Mar 2013 | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Presentation | Resource | State of the industry and trends |

With the 2012 Adoption Survey, MMU is able to share deeper insights on not only the number of customers, but also on how customers are using the service and, perhaps more importantly, how successful operators are positioning and ...

Mobile Money: Enabling regulatory solutions

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Thursday 28 Feb 2013 | English | French | Global | Mobile Money | Mobile Money Programme | Policy and regulation | Regulation | Research | Resource |

The aim of this paper is to provide a useful tool for regulators and mobile money providers to engage more effectively. It elaborates commonly held positions in the mobile industry on  some key policy and regulatory issues, backed up ...

State of the Industry 2012: Results from the 2012 Global Mobile Money Adoption Survey

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Wednesday 27 Feb 2013 | English | French | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Research | Resource | Spanish | State of the industry and trends |

With the 2012 Adoption Survey, MMU is able to share deeper insights on not only the number of customers, but also on how customers are using the service and, perhaps more importantly, how successful operators are positioning and ...

Florence, Kibera, Nairobi, Kenya

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Friday 1 Feb 2013 | Case studies | Connected Women | English | Gender | Kenya | Life stories | mHealth | Mobile Money | Mobile Money Programme | Programme | Resource | Resource Type | Sub-Saharan Africa | Type | Video |

“The day my kid felt sick, the mobile phone gave me a chance. I just called the doctor direct and asked for the first aid I could perform to the baby. I found it made my work easier” Florence is one of the approximately one million ...

Rachel, from a remote rural community near Morogoro, Tanzania

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Tuesday 22 Jan 2013 | AgriTech | Case studies | Connected Women | English | Gender | Language | Life stories | Mobile Money | Mobile Money Programme | Programme | Region | Resource | Resource Type | Sub-Saharan Africa | Tanzania | Type | Video |

Lying outside Morogoro, close to the building of a vast new road, lies a small village. In its compass is a leper hospital. The nurses who offer administer palliative care to its patients are not well paid. In a scheme designed to ...

bKash – Bangladesh

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Tuesday 1 Jan 2013 | Bangladesh | Case studies | Case study | Ecosystem payments | English | Financial services products | Mobile Money | Mobile Money Programme | Resource | South Asia | User insights and data |

MMU 2012 Annual Report

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Tuesday 23 Oct 2012 | English | Global | Mobile Money | Operational best practices | Research | Resource |

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eWallet Merchant Payments: GSMA Discussion Paper

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Monday 22 Oct 2012 | Case study | Ecosystem payments | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Resource | Spanish |

With P2P, bill pay and airtime top ups still representing the vast majority of mobile money transactions today, mobile money service providers are keen to broaden their product offering. Merchant payments, a proximate payment from a ...

Expanding the Ecosystem of Mobile Money: Considerations for Interoperability

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Thursday 18 Oct 2012 | Ecosystem payments | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme | Research | Resource |

In this note, we discuss interoperability in broad terms as the interconnection of mobile money services with external parties, with the aim to create value for both customers and commercial players. Download:

Designing and delivering effective agent training programmes – MMU Webinar

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Friday 12 Oct 2012 | English | French | Global | Mobile Money | Operational best practices | Presentation | Resource |

Agent training is a powerful lever to drive agent performance. This week, MMU held a webinar to dialogue with mobile money managers about how to design and implement impactful and cost effective trainings. Download:

Organisational Design to Succeed in Mobile Money

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Wednesday 10 Oct 2012 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Research | Resource | Spanish |

In an attempt to understand why certain mobile money programs prosper, Mobile Money for the Unbanked (MMU) has researched and developed best practice publications on a range of operational areas – including building well-functioning ...

Designing and delivering effective agent training programmes – MMU Webinar

Video

Wednesday 10 Oct 2012 | French | Global | Mobile Money | Operational best practices | Resource | Webinar |

Agent training is a powerful lever to drive agent performance. This week, MMU held a webinar to dialogue with mobile money managers about how to design and implement impactful and cost effective trainings. This is the French ...

Managing the Risk of Fraud in Mobile Money

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Thursday 4 Oct 2012 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Research | Resource | Spanish |

Risk management is a key component to the commercial success of any business. Effective risk management underlies sustainable commercial growth because it protects two key commercial assets: reputation and revenue. Download:

Designing & Delivering Agent Training for Mobile Money Deployments

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Thursday 20 Sep 2012 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Research | Resource | Spanish |

The ability of mobile money agents to smoothly deliver cash and e-money to customers has major bearing on the success of a mobile money service. To drive high level agent performance, training is one of the more powerful levers ...

Moses, Masai Village, Hell’s Gate National Park, Kenya

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Saturday 30 Jun 2012 | AgriTech | Case studies | Connected Society | English | Kenya | Life stories | Mobile Money | Mobile Money Programme | Resource | Resource Type | Sub-Saharan Africa | Type | Video |

In June 2012, Mobile for Development travelled to Kenya to meet the Masai Villagers of Hell’s Gate National Park near Lake Naivasha in Kenya. The Masai are pastoralists, farming sheep, chicken and cows and selling both primary and ...

Marketing Mobile Money: Top 3 Challenges

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Saturday 30 Jun 2012 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Operational best practices | Resource | Video |

In this presentation, Yasmina McCarty discusses the top 3 challenges associated with the ...

Emerging Practices in Mobile Microinsurance

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Monday 18 Jun 2012 | Case study | English | Financial services products | French | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme | Resource | Spanish |

The objective of this paper is to outline the opportunities for leveraging the mobile channel, including mobile money, to deliver microinsurance, and to share examples of attempts to do so from around the world. We hope that readers ...

Sophia, Masai Village, Hell’s Gate National Park, Kenya

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Friday 15 Jun 2012 | Case studies | Connected Society | Connected Women | Country | English | Gender | Kenya | Language | Life stories | mHealth | Mobile Money | Mobile Money Programme | Programme | Region | Resource | Resource Type | Sub-Saharan Africa | Type | Video |

In June 2012, Mobile for Development travelled to Kenya to meet the Masai Villagers of Hell’s Gate National Park near Lake Naivasha in Kenya. The Masai are pastoralists, farming sheep, chicken and cows and selling both primary and ...

State of the Industry: Results from the 2011 Global Mobile Money Adoption Survey

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Wednesday 9 May 2012 | English | French | Global | Global and regional studies | Mobile Money | Mobile Money Programme | Research | Resource | Spanish | State of the industry and trends |

The mobile money industry, as measured by the number of deployments around the world, has grown rapidly. As of April 2012, there were 123 that offered basic financial services to customers. But the number of customers who are actually ...