In April 2020, the GSMA partnered with the Somalia Cash Working Group to commission this study on cash transfers in the three regions of Somalia: South-Central, Puntland and Somaliland. The overall aim is to improve the effectiveness, efficiency and transparency of humanitarian mobile money cash transfers in Somalia by reducing the information gap that exists between key stakeholders, in particular mobile payment service providers (MPSPs) and international non-governmental organisations (INGOs).

This process mapping document aims to show in detail the current steps INGOs/agencies take to implement their cash transfer programmes in Somalia. It also aims to provide recommendations for cash transfer stakeholders on how humanitarian mobile money cash transfers in Somalia could be improved in terms of security, efficiency and transparency.

This document is complemented by:

• A series of six guidelines that aim to provide more detailed recommendations on specific steps of the cash transfer process in Somalia; and
• A regulatory and policy analysis brief, which explains the regulatory and policy ecosystem around mobile money and cash transfers and recommendations to build on the current ecosystem.