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Enabling Mobile Money Policies in Tanzania

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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

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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

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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

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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

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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

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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)

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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

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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

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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

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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 - 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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.

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 - filter | 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 - filter | Policy and 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 - filter | 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 - filter | 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 - filter | 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 | Building the financial ecosystem | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Resource | South Asia |

MMU 2012 Annual Report

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Tuesday 23 Oct 2012 | English | Global | Mobile Money | Research | Resource |

Download here

eWallet Merchant Payments: GSMA Discussion Paper

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Monday 22 Oct 2012 | Building the financial ecosystem | Case study | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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 | Building the financial ecosystem | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | 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 | 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 - filter | 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

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Wednesday 10 Oct 2012 | French | Global | Mobile Money | 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 - filter | 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 - filter | 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 - filter | 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 - filter | 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 | Building the financial ecosystem | Case study | English | French | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | 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 - filter | 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 - filter | 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 ...

The case for interoperability: Assessing the value that the interconnection of mobile money services would create for customers and operators

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Thursday 23 Feb 2012 | Case study | English | French | Global | Industry assets and standards | Interoperability | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

In this article, we ask whether there is a case for interconnecting mobile money services. To answer the question, we start by evaluating the extent to which customers are likely to value the ability to transact across ...

Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature

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Thursday 2 Feb 2012 | Building the financial ecosystem | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource |

Reviews the emerging literature on the definitions and model taxonomies employed in mobile banking; the status and drivers of global adoption of these schemes; the take-up and usage patterns of customers and their socio-economic ...

Mobile Money in Latin America A case study of Tigo Paraguay

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Tuesday 19 Jul 2011 | Case studies | Case study | English | Latin America & the Caribbean | Mobile Money | Mobile Money Programme - filter | Paraguay | Resource | Spanish |

This case study provides a summary of the Paraguayan mobile financial ecosystem, highlighting the favourable conditions which have contributed to the development of Mobile Money. Download:

MMU 2011 Annual Report

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Sunday 10 Jul 2011 | Building the financial ecosystem | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Research | Resource |

Download: English

Mobile Money Definitions

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Friday 1 Apr 2011 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource | Spanish | Toolkit |

Download: French |

Driving customer usage of mobile money for the unbanked

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Monday 7 Mar 2011 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

Download: English |

Mapping and Effectively Structuring Operator-Bank Relationships to Offer Mobile Money for the Unbanked

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Monday 7 Mar 2011 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource |

This publication introduces the idea of the "business owner”: the bank, operator, or third party that assumes the bulk of the financial risk of offering a mobile money service. The business owner ...

Regulatory Impact on Business Model Choice

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Friday 11 Feb 2011 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource |

Gives an overview of which business models are a given option for the individual mobile operator depending on the regulatory situation in the country of interest. Download:

Building, Incentivising and Managing a Network of Mobile Money Agents: A Handbook for Mobile Network Operators

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Thursday 10 Feb 2011 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

Download: French |

Is there Really any Money in Mobile Money?

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Thursday 9 Dec 2010 | English | French | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource | Spanish |

From Afghanistan to Zambia, mobile network operators (MNOs) in developing countries are launching mobile money services at a rapid pace. Yet while their enthusiasm to enter this business is clear – to date 78 deployments have been ...

Mobile Money: Methodology for Assessing Money Laundering and Terrorist Financing Risks

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Wednesday 16 Jun 2010 | English | French | Global | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource | Spanish |

Download: French |

International Remittance Service Providers

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Saturday 1 May 2010 | Building the financial ecosystem | English | Global | International remittances | Mobile Money | Mobile Money Programme - filter | Research | Resource |

An overview of mobile International Remittance Service Provider service offerings. Download:

True Money and M-PESA: Two Unique Paths to Scale (Focus: Thailand and Kenya)

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Tuesday 16 Mar 2010 | Case studies | Case study | East Asia and Pacific | English | Kenya | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa | Thailand |

Download: English

A closer look at ZAP in East Africa – Bahrain, Kenya, Tanzania, Sierra Leone, Ghana, Niger, Malawi and Uganda

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Tuesday 8 Sep 2009 | Case studies | Case study | English | Mobile Money | Mobile Money Programme - filter | Resource | Sub-Saharan Africa |

Download: English

Seeking Fertile Grounds for Mobile Money

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Thursday 3 Sep 2009 | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Resource |

In the wake of mobile money featuring on the cover of The Economist, many are surely asking where the next success story will come from. In this article, Ignacio Mas and Amrik Heyer analyse the environmental dynamics affecting the ...

The GSMA’s Mobile Money Business Model Framework

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Tuesday 1 Sep 2009 | English | Global | MNOs' operational and strategic issues | Mobile Money | Mobile Money Programme - filter | Research | Resource |

Framework to help MNOs to think through what is required for a successful mobile money deployment – what are the key stages and what do they need to consider in order to achieve success? Download: 

What makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania

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Monday 16 Mar 2009 | English | Kenya | Mobile Money | Research | Resource | Sub-Saharan Africa | Tanzania |

The mobile money community has watched (and compared) the adoption of M-PESA in Kenya and Tanzania with great interest. This publication provides a full comparison of the factors which have impacted adoption rates in the two countries. ...

Mobile Money for the Unbanked Quarterly Report 2009

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Sunday 1 Mar 2009 | English | Global | Global and regional studies | Mobile Money | Mobile Money Programme - filter | Research | Resource |

Communicates the progress of the GSMA MMU initiative as well as provide significant research into key mobile money issues. Download:

Understanding Financial Regulation And How It Works

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Tuesday 1 Jan 2008 | English | Global | Mobile Money | Mobile Money Programme - filter | Policy and regulation | Research | Resource |

Gives an overview of financial regulation AMC/KYC in the context of MMT English