Valuable Bits

I would say most of the mobile money implementations to date have chosen a tiered pricing structure. This could be a result of a copycat-strategy where M-PESA in Kenya is the model or it could just be that this is the best way to go.
In Ghana MTN has chosen a mixed model of tiers and [...]

On behalf of GSMA Mobile Money for the Unbanked and together with Caroline Pulver, from FSD Kenya, we have written a report titled “What makes a Successful Mobile Money Implementation?“, looking at the implementations of M-PESA in Kenya and Tanzania and comparing them.
“Can the success of M-PESA be repeated?” is another paper we have written [...]

It is many that are interested in m-banking, and the reason for the interest is varying from organization to organization. Some are interested because of new revenue streams, others for offering already existing costumers a better service and then there are the ones that are interested in what m-banking can do to increase financial inclusion. [...]

As with all forms of systems people find their own way of using them that was not anticipated by the architect. One example of this in m-banking is direct deposits that is common in both Tanzania and Kenya.
Direct deposits works like this; when sending money, the sender finds an M-Pesa agent but instead of depositing [...]

Jim Rosenberg at CGAP was kind enough to invite us to the GSMA Mobile Money Summit conference in Barcelona last week. It was hosted by the GSMA with CGAP, DFID and IFC as co-organizers and the main focus of the conference was on the future role of MNOs, the regulatory issues and how to increase [...]

On the web we have gotten used to seeing a share button next to almost every article, picture or video we come across. Why not include a share button in the mobile banking services as well? Maybe the sender could receive some commission if the person actually signs up and start to use it as [...]

In some our latest blog posts we have mentioned the phenomenon of sending top-up voucher codes as a form of a money transfer and the more people we talk to the more apparent it becomes how common this way of sending still is,  despite the last year’s entries of formal services.
The process of using vouchers [...]

In regard to our first post about the agent model of Zain’s service Zap, we would like to clarify some things that we have found out since then.
Zain charges 150 TZS for each transfer, and as withdrawals and deposits both are transactions, Zain gets 150 TZS of the fee that the agent receives. To deposit [...]

We are thrilled to join the Mobile Money Transfer Africa Conference in Johannesburg on the 5-6 May. Due to a late speaker drop-out we have been invited to present our research findings so far even though the user studies will continue after as well.
The conference includes a great number of prominent guest from the business [...]

After a meeting with Richard Kayombo, Deputy Director, at Tanzanian Communication Regulatory Authority yesterday we can conclude that there is much happening in the regulatory part of the theory we posted earlier. The 1st of July this year a new KYC legislation will be implemented, forcing all mobile network operators (MNOs) to register to whom [...]