Mobile for Development Resources

Filter

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

Document

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 | 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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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

Document

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 |

Enabling Mobile Money Policies in Tanzania

Document

Thursday 20 Mar 2014 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | 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

Document

Tuesday 11 Mar 2014 | Building the financial ecosystem | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 6 Mar 2014 | English | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | 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

Document

Monday 3 Mar 2014 | Building the financial ecosystem | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | 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

Document

Tuesday 25 Feb 2014 | Building the financial ecosystem | Case study | English | 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 | Building the financial ecosystem | 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 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)

Document

Thursday 14 Nov 2013 | Case studies | English | India | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 31 Oct 2013 | Case studies | Case study | English | Global | Mobile Money | Mobile Money Programme - filter | 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

Document

Monday 21 Oct 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

Document

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

Document

Thursday 25 Jul 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 18 Jul 2013 | Case studies | English | Infographic | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 18 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 11 Jul 2013 | Building the financial ecosystem | Case studies | Case study | Democratic Republic of Congo | English | French | Mobile Money | Mobile Money Programme - filter | 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

Document

Tuesday 9 Jul 2013 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

Document

Friday 5 Jul 2013 | Case study | English | Mobile Money | 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

Document

Wednesday 3 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | 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

Document

Monday 1 Jul 2013 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | 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

Document

Thursday 27 Jun 2013 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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

Document

Wednesday 1 May 2013 | Building the financial ecosystem | Case studies | Case study | English | Madagascar | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa |

MMU Spotlight: Direct Deposits

Document

Monday 15 Apr 2013 | Case study | English | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource |

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