The MMU programme is funded by a grant from the Bill & Melinda Gates Foundation
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© GSMA 2009 June 2011 Singapore
Seema DesaiMMU Director
Mobile Money for the Unbanked ProgrammeWorking Group – 27th June 2011, Singapore
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© GSMA 2011June 2011 Singapore
MMS 2011 - Singapore
Monday 27th JuneMMU Working Group
Tuesday 28th JuneMobile Money Summit Plenary
Wednesday 29th JuneMobile Money Summit Plenary – MMU stream
Thursday 30th JuneMMU Leadership Forum
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© GSMA 2011June 2011 Singapore
June 2011: Over 100 live deployments in MMU markets
MMU Phase I launch
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Three assets position MNOs to offer mobile money
Knowledge of retail distribution
Trusted brand and a relationship with the customer
Secure access to the handset (SIM toolkit + USSD)
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MMU best practices – toolkits, handbooks, case studies
Handbook: How to build, incentivize and manage agent networks Handbook: How to drive customer usage of mobile money Deep-dive on profitability: “Is there really any money in mobile money?” Pricing and commissions webinar How to create successful bank-MNO relationships Agent networks training videos Case studies
– SMART Money and G-Cash– True Money– Zain Zap– Tigo Paraguay– Celpay Zambia
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Regulatory change is still needed in many markets to create enabling environments
Africa Latin America
Asia
Country A
Country B
Country C
Country D
Country E
Country F
Country G
Country H
Country I
Country J
Country K
Country L
Country M
Country A
Country B
Country C
Country D
Country E
Country F
Country G
Country H
Country I
Country J
Country K
Country L
Country A
Country B
Country C
Country D
Country E
Country F
Country G
Country H
Assessment of the enabling environment
Regulatory environment
Room forMNO
involvement
Potential for promoting inclusion
Degree of reform
required
Assessment of the enabling environment
Regulatory environment
Room forMNO
involvement
Potential for promoting inclusion
Degree of reform
required
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© GSMA 2011June 2011 Singapore
This business only works at scale; and to get there requires upfront investment
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15-$4,000,000.0
-$3,500,000.0
-$3,000,000.0
-$2,500,000.0
-$2,000,000.0
-$1,500,000.0
-$1,000,000.0
-$500,000.0
$0.0
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
Cumulative net cash flow and active customer base, MTN MobileMoney, Uganda
Months after launch
USD
(mm
)
Activ
e cu
stom
ers
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© GSMA 2011June 2011 Singapore
Summary
Learn from existing best practices – embed them well, and innovate where necessary
Invest appropriately – mobile money requires high upfront capital investment to succeed
Encourage positive regulatory change – work with regulators to create an environment in which mobile money services can reach low income customers in a sustainable way
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