Browse resources by topic (where applicable), region or type, such as case studies, presentations, research and white papers
- mLearning
Handshake - IFC’s quarterly journal on public-private partnerships
Featuring an article, 'M is for Mobile,' by Head of mLearning Lauren Dawes. Download here...
- Community Power from Mobile
Unlocking a New Market: Ultra-Low-Cost M2M Opportunities and Barriers to a New Mobile Frontier
By Nick Hughes, M-KOPA. M-KOPA believes that M2M services for customers represent a new frontier. There are challenges but there are no impregnable barriers. Principal amongst the challenges is the need to simplify the core M2M technology and reduce its costs to allow it to be used in a wide range of applications. This case study explores M2M services and presents some ideas for consideration by the M2M industry. Download here... - Disaster Response
Mobile Network Public Warning Systems and the Rise of Cell-Broadcast
This report aims to provide an Introduction to Public Warning Systems and background to the most applicable technology used to deliver them, the Cell Broadcast Service. Download here... - Community Power from Mobile
Sustainable Energy & Water Access through M2M Connectivity
This paper aims to shed light on the opportunities created by M2M solutions to reach and empower underserved populations in the developing world. The emergence of new business models leveraging GSM connectivity for remote operation and monitoring is already helping tens of thousands of people gain access to more affordable and sustainable basic life services. Download here... - mAgri
mAgri Webinar: Exploring the Nokia Life Agriculture Service
These slides were presented by Nokia Life representatives during a joint webinar with the GSMA mAgri team on 15th January 2013. The webinar covered key facts about Nokia Life and specifically, the Nokia Life Agriculture Service. Other topics covered in the webinar included the market need, the user journey, the depth and spread of the service, the content process, the ecosystem of partners and the Nokia Life users. Download here... - Green Power for Mobile
GPM Bi-annual Report - January 2013
Download here... - Disaster Response
Designing an Effective Disaster Preparedness & Response Programme
The purpose of this case study is to highlight the steps taken by Smart PLC. to develop their disaster response programme. Smart has engaged in disaster mitigation, preparedness and relief activities to meet the needs of its subscribers and their communities that are affected by recurring natural disasters across the Philippines. This paper illuminates the core principles and approach guiding Smart’s work in this space, and outlines the decisions, organisational structure and partnerships that... - Disaster Response
Disaster Response: Guidelines for Establishing Effective Collaboration between Mobile Network Operators and Government Agencies
This landscape document will specifically examine relations between the operators and the public sector, including governments from both developing and developed nations, international bodies and regional authorities. These actors should leverage the expertise of the private sector effectively in order to integrate ICT tools into their response strategies. Download here... - Disaster Response
Webinar Slides - Mobile and Humanitarian 101
These are the slides for the Disaster Response and CDAC Network webinar, Mobile and Humanitarian 101, which occured on 20th November, 2012. Download here Read a recap of the webinar.... - mHealth
GSMA mHealth Infographic: MDG 6 - How mHealth is Supporting the Combat of HIV/AIDS, Malaria and Other Diseases
This infographic highlights the How mHealth is Supporting the Combat of HIV/AIDS, Malaria and Other Diseases, especially in Sub-Saharan Africa. Download here... - mHealth
Webinar Slides: How to maximise the impact of mHealth services for maternal and child health
These are the slides for GSMA mHealth's webinar "How to maximise the impact of mHealth services for maternal and child health" which occured on 13 November 2012. Download here View a recording of the webinar... - Disaster Response
Disaster Response Vendor Catalogue
The GSMA Disaster Response Programme has collected information from the vendor community to highlight products and services available to the mobile industry in advance of, and during, disasters. Download here... - Disaster Response
Disaster Response News Update - November 2012
View the Disaster Response Programme’s latest newsletter. If you’d like to subscribe to the newsletter, sign up here. View the newsletter... - mAgri
Feature your mAgri Product & Service on Mobile and Development Intelligence
To have your mAgri organisation and product/service correctly featured on the GSMA Mobile and Development Intelligence portal, please download and complete this form and return to vclause@gsm.org. Download here...
- Disaster Response
Cell Broadcast Emergency Alerts from One2Many
A White Paper from One2Many. Cell Broadcast is the most effective method of broadcasting public warning alerts in emergency situations. One message can be sent to millions of devices, instantly, based on subscribers’ location to selected telephone cells. Cell Broadcast therefore enables location-specific emergency alerts without the need to register or track devices. Download here... - mLearning
UNESCO Mobile Learning Newsletter - October 2012
Download here... - Mobile Money for the Unbanked
MMU 2012 Annual Report
Download here... - Mobile Money for the Unbanked
eWallet Merchant Payments: GSMA Discussion Paper
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 consumer to a business at the point of sale, is an eWallet product extension frequently discussed of late. Download here... - Green Power for Mobile
Powering Telecoms: East Africa Market Analysis
The objective of the report is to analyse the current state of the telecom market and the highlight the current approach to powering networks to enable readers with see the potential for alternative energy solutions, in particular green power. The report looks at various elements including the industry structure, the regulatory environment, the current state of power within telecoms infrastructure as well as potential green power solutions. Download here... - Mobile Money for the Unbanked
Expanding the Ecosystem of Mobile Money: Considerations for Interoperability
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: English | French... - Mobile Money for the Unbanked
Designing and delivering effective agent training programmes – MMU 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. Download: English | French... - Mobile Money for the Unbanked
Organisational Design to Succeed in Mobile Money
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 agent networks, driving customer usage, and fostering effective bank partnerships. Download: English | French... - mAgri
mAgri Webinar: Mobile market information systems for farmers: requirements for success
These are the slides that accompany the mAgri Webinar on “Mobile market information systems for farmers: requirements for success” that took place on 9th October 2012. Download here... - Mobile Money for the Unbanked
Managing the Risk of Fraud in Mobile Money
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 here... - mAgri
Focus Note: Designing & Marketing Mobile Information & Advisory Services for Women Smallholders
The purpose of this focus note is to introduce the gender theme to the Agri VAS community and share practical, actionable lessons on reaching women (with a focus on service design and marketing). The focus note summarizes insight and best practice provided by subject matter experts during a webinar “Designing & Marketing Mobile Information & Advisory Services for Women Smallholders”. Download here... - Mobile Money for the Unbanked
Designing & Delivering Agent Training for Mobile Money Deployments
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 available. Well trained agents are more likely to drive transaction volumes for the operator, educate the customers on how the service works and deliver error free transactions. Download: English | French... - mAgri
GSMA mAgri Infographic: Agricultural Productivity Gap & The Opportunity for Mobile
The purpose of this infographic is to highlight 3 main messages: A vast number of people in developing countries work in agriculture, far more than in the developed world. In fact 99% of all people working in agriculture live in developing countries Despite this huge proportion of labour force engaged in agriculture in the developing world, there is a productivity gap: in the developing world yields are 60% of those in the developed world Meanwhile, the growth of mobile phones in emergin... - Green Power for Mobile
Geocell – Georgia – Feasibility Study
Established in 1996, Geocell is the first GSM operator in Georgia operating on 900 MHz frequency and later on 1800 MHz frequency following the merger with GT Mobile; Georgia’s 3rd operator to start GSM services, in 2001. Later in 2003, a controlling stake in Geocell is acquired by the TeliaSonera group. In 2006, Geocell acquired UMTS license to operate on 2100 MHz frequency and launched its 3G and associated services to its subscribers. Geocell is the largest mobile operator in terms of subs... - Green Power for Mobile
Ucell – Uzbekistan – Feasibility Study
Ucell part of TeliaSonera group, started its network modernization in 2008 with the aim of launching 3G and associated new services for the subscribers. The company has aggressively focused on expansion of network coverage in order to enable cellular coverage to the most remote districts of the country. Download here... - Disaster Response
Disaster Response News Update: August 2012
View the Disaster Response Programme's latest newsletter. If you'd like to subscribe to the newsletter, contact disasterresponse@gsma.com View the newsletter... - Green Power for Mobile
GPM Bi-annual Report - July 2012
Download here... - mAgri
mAgri Webinar: Designing & Marketing Mobile Information & Advisory Services for Women Smallholders
These are the slides that accompany the mAgri Webinar on 'Designing & Marketing Mobile Information & Advisory Services for Women Smallholders' that occurred on June 27, 2012. Download Here ... - Disaster Response
Dealing with Disasters: Technical Challenges for Mobile Operators
This discussion document presents the intention of the GSMA Disaster Response Programme in proposing key technical challenges faced by Mobile Operators before, during and after disasters. It aims to open a discussion about which challenges are most important and to pave the way for creating and implementing working solutions. Download Here... - Mobile Money for the Unbanked
Emerging Practices in Mobile Microinsurance
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 from both the mobile industry and the insurance industry will find in these pages new ideas for collaboration that will make risk-management tools available to those who most need them. Download: English | French | Spanish... - Disaster Response
Disaster Response MAE 2012 Working Group Agenda
At this inaugural Asian Working Group, key industry players will convene to address the regionally-specific challenges and opportunities that exist around building a joined-up global technical blueprint for disaster-prepared and disaster-resistant networks. In the afternoon session, a deep-dive on how best to coordinate with crisis affected populations and humanitarian organisations will also be conducted. Download the Working Group Agenda Spaces are limited. To reserve yours, please email... - Mobile Money for the Unbanked
Marketing Mobile Money: Top 3 Challenges
In this presentation, Yasmina McCarty discusses the top 3 challenges associated with the marketing of mobile money services for the unbanked: 1) Segmenting the market appropriately, 2) Understanding the customer journey, and 3) developing the right marketing mix. Download here... - Green Power for Mobile
GPM Interactive Replication Guide: India Market Specific
This Guide is intended to assist Mobile Network Operators (MNOs) and Infrastructure Providers (IPs) navigate through the decision making process of determining if a site is a suitable candidate for conversion into a renewable energy deployment in the Indian market. Download here... - Mobile Money for the Unbanked
Protecting the poor: A microinsurance compendium Volume II
Low-income households are vulnerable to risks and economic shocks. One way for the poor to protect themselves is through insurance. By helping low income households manage risk, microinsurance can assist them to maintain a sense of financial confidence even in the face of significant vulnerability. Download: English... - mLearning
The eLearning Africa 2012 Report
The collective eLearning experience in Africa, premised on the voices of Africans, covering 41 African countries, has never been documented before. The richness of our divergent views, aspirations, critiques and insights have not yet been shared in this way. Download here... - mHealth
Using mHealth to Support Universal Health Access
This report discusses: Current State of Global Healthcare: Health Gains & Failures; Global & Regional Overview of mHealth Services; mHealth Services Addressing Universal Health Indicators; Review of 794 Mobile Operators’ Involvement in mHealth; Examples within the mHealth Categories and Regions; and the Future Development of the mHealth Tracker. Download here... - mHealth
Health Hotline Services in Emerging Markets
Health hotlines (medical call centres) play an important role particularly in preventative medicine and disease diagnosis, strengthening over-burdened health facilities and healthcare service delivery, especially in developing countries Download here... - mHealth
Integrating Healthcare: The Role and Value of Mobile Operators in eHealth
This paper explores the emerging role of mobile operators in eHealth: the GSMA presents opportunities for mobile operators to play a significant role in integrating systems, organisations and people across the health system, effectively integrating mobile into the health patient pathway. Download here... - Community Power from Mobile
Tower power saves lives
From New Scientist. Published 26 May 2012. Staff at Morganster Hospital, which serves a remote community in Zimbabwe’s Masvingo province, used to sleep fitfully. If the power failed and a back-up generator was offline – common problems in the impoverished nation – they would have to jump out of bed and drive for 26 kilometres to stash their stock of life-saving vaccines in a fridge in the provincial capital. But those days are over, thanks to a pilot project that is testing a simple idea f... - mLearning
Shaping The Future – Realising the potential of informal learning through mobile
In 2011, GSMA and The MasterCard Foundation began a research study to understand how mobile technology can help young people achieve their future aspirations. With a focus on Ghana, Morocco, Uganda and Maharashtra in India, GSMA researchers listened to more than 1,200 young people, whose experiences and perspectives shared in this report can help guide the future of the fast growing, but still nascent area of mLearning. Download here... - Green Power for Mobile
Green Deployment Tracker Template
The Green Power for Mobile Green Deployment Tracker is now moving to a new platform. To ensure that data is up to date, we request that you go to the current tracker and make sure your numbers for planned and live deployments are correct. If there are any discrepancies, please fill in out template with the correct data so that we can upload the correct information when we migrate over to the new platform. Green Power for Mobile Deployment Tracker - Add your deployments...
- mLearning
mLearning: A Powerful Tool for Addressing MDGs
From Alcatel-Lucent, and written by Florence Gaudry-Perkins & Lauren Dawes (Contributing Editor). mLearning could have a profound effect on tackling many MDGs. It could have a clear impact, of course, helping achieve universal primary education (MDG2) and promoting gender equality (MDG3) by enabling further access to education by all children and eliminating gender discrimination in education. Download here... - Mobile Money for the Unbanked
State of the Industry: Results from the 2011 Global Mobile Money Adoption Survey
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 using these services has been difficult for anyone to ascertain. Download: English | French | Spanish... - mAgri
Facilitating agricultural technology adoption among the poor: The role of service delivery through mobile phones
By Heike Baumüller. The use of mobile phones in poverty reduction and development has ignited much interest over the past decade. To take advantage of the rapid expansion of mobile phones in developing countries, businesses, government agencies and non-governmental organisations are increasingly turning their attention to the delivery of services through mobile phones in areas such as health, education and agriculture. This paper examines how such m-services could be and are already being used ... - Green Power for Mobile
Fuel Cell Systems for Base Stations: Deep Dive Study
An exploration of the current and future potential of fuel cell systems to provide green power for the telecoms industry Download here...
- Green Power for Mobile
Telecoms Renewable Energy Vendors/ESCOs Landscape in India: Revised version
This India Vendor Catalogue document aims to present a landscape of the main green solutions vendors and ESCOs (Energy Service Companies) providing products and services to the mobile telecoms sector in India. Download here... - Mobile Money for the Unbanked
CGAP Landscape Study on International Remittances through Mobile Money
CGAP’s Technology & Business Model Innovation Program commissioned Dalberg Global Development Advisors to conduct a ‘refresh’ on an earlier landscaping study for international remittances through mobile money. Download: English ... - Mobile Money for the Unbanked
Kenya’s Mobile Revolution and the Promise of Mobile Savings
The mobile revolution has transformed the lives of Kenyans, providing not just communications but also basic financial access in the form of phone-based money transfer and storage, led by the M-PESA system introduced in 2007. Currently, 93 percent of Kenyans are mobile phone users and 73 percent are mobile money customers. Download: English... - Disaster Response
Disaster Response Overview
Learn more about the Disaster Response Programme and what the programme will achieve. Download here...
- Green Power for Mobile
Bharti Infratel's White Paper - Green Networks: Transforming Telecommunications on Sustainable Energy Alternatives
Bharti Infratel’s pioneering GreenTowers P7 Initiative is a comprehensive energy-efficiency and alternate-energy program covering seven high impact initiatives, which are aimed at reducing the carbon footprint through lower and optimized diesel usage. Download here... - Mobile Money for the Unbanked
Managing the Risk of Mobile Banking Technologies
The rapid take-up and potential scale of new offerings has led to increased interest from mobile Fin. Services Providers (mFSP), both banks and non-banks, and regulators in managing risks. Download: English ... - Mobile Money for the Unbanked
Regulating Mobile Money: 4 Areas of Focus
Download: English ... - Green Power for Mobile
Procurement Model Analysis: CAPEX vs OPEX
This document presents a comparative analysis of an in house CAPEX based and outsourced OPEX based renewable energy model. The Green Power for Mobile procurement model analysis is based on current intelligence of the Indian telecom market. Download here... - Mobile Money for the Unbanked
Mobile Money: Getting to Scale in Emerging Markets
More than a billion people in emerging and developing markets have cell phones but no bank accounts. It’s generally too expensive for banks to place retail branches and ATMs in poorer areas, particularly those that are rural and sparsely populated, and the services such outlets offer usually don’t meet the needs of lower-income customers anyway. The informal networks through which low-income people do store and transfer money have high transaction costs and are prone to theft. mobile money i... - Green Power for Mobile
Best Practice Procurement Guide for Green Energy in India - March 2012
This is the revised version of our earlier published Best Practise Procurement Guide for Green Energy in India, to enhance market intelligence for the Indian mobile telecom industry, and is based on current intelligence of the Indian Market. Download here... - Mobile Money for the Unbanked
The case for interoperability: Assessing the value that the interconnection of mobile money services would create for customers and operators
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 networks. Download: French | Spanish | English... - Green Power for Mobile
Energy + Mobile at Mobile World Congress 2012
Energy is the backbone of the mobile industry: without it the mobile network would not exist and we could not turn on our mobile phones. Nowhere is this truer than in emerging markets, where mobile operators have become proficient at operating in areas of unreliable and nonexistent grid electricity. Download here... - Mobile Money for the Unbanked
Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature
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 impact; and, finally, regulatory issues. Download: English... - Mobile Money for the Unbanked
Mobile Water Payment Innovations in Urban Africa
This report examines the impacts and implications of mobile water payments from Kenya, Uganda, Tanzania and Zambia. Evidence from 20 urban water service providers serving over 12.5 million customers is evaluated against the deployment strategies of mobile network operators and the responses of national water service regulators. Download: English ... - Community Power from Mobile
CPM Vendor Directory
The CPM Vendor Directory builds on the past experience of the Green Power vendor guides and Charging Choices reports. The vendors within this catalogue have been ordered alphabetically and subsequently categorised at the back according to their specialist field. We hope that this catalogue will provide a snapshot of the current market and is organised in a clear and concise way. Download here... - mAgri
Creating Gender-Responsive Agricultural Development Programs
An orientation document around creating gender-responsive agricultural development programs. Download here... - Mobile Money for the Unbanked
Leveraging Information and Communication Technology for the Base Of the Pyramid
The focus of this study is the tremendous opportunities that Information and Communication Technology (ICT) offers to provide access to essential services, such as education, healthcare, agro-services or financial services to the BOP. Download: English... - Mobile Money for the Unbanked
Water Delivery through Payment Platform – M-PESA Pushes the Rural Frontier
This paper examines the use of M-PESA’s payment system as it is combined with the Grundfos LIFELINK water delivery system to provide access to a safe source of water. Download: English ... - Mobile Money for the Unbanked
M-PESA and Access to Health in Kenya
This study focuses on the current role of M-PESA in facilitating access to health services in Kenya and explores the potential that exists for the M-PESA platform to increase access to health. Download: English ... - Mobile Money for the Unbanked
Kenya Case Study: Linking Mobile Banking And Mobile Payment Platforms To Credit Bureau
Mobile transaction data may potentially help this population establish a formal credit history, help lenders more accurately evaluate credit risk, and lead to increased access to financial services for the poor. Download: English ... - Mobile Money for the Unbanked
Microsave Briefing Note 116: Building Business Models for Mobile Money
This Note uses a business model framework and some concepts co-created by practitioners in an online community called the business model innovation hub, to understand and assess the mobile banking business. Download: English ... - Mobile Money for the Unbanked
Haiti Mobile Money: A Point-in-Time Case Study
This case study examines the evolution of mobile money in Haiti and identifies the factors necessary for the market’s continued growth, sustainability and financial inclusiveness. Download: English ... - Green Power for Mobile
Green Power for Mobile Vendor Directory
Updated January 2012. The Green Power for Mobile programme has sought information on the capabilities, products and services of the vendor community within the industry in an attempt to evolve and regenerate the current vendor listing page. Download here... - mAgri
Power to the Peers: Authority of Source Effects for a Voice-based Agricultural Information Service in Rural India
Online communities enable people to easily connect and share knowledge across geographies. Mobile phones can enable billions of new users in emerging countries to participate in these online communities. In India, where social hierarchy is important, users may over-value institutionally-recognized authorities relative to peer-sourced content. We tested this hypothesis through a controlled experiment of source authority effects on a voice-based agricultural information service for farmers in Guja... - Green Power for Mobile
Telekom Networks Malawi (TNM) Ltd. - Malawi - Feasibility Study
TNM is the second largest mobile operator in Malawi with a subscriber base of 1.6 million and a market share of over 42%.4 A pioneer in offering new services, TNM became the first mobile operator in Malawi to launch and offer 3G services including video calling, video and music streaming, and mobile broadband access. Download here... - mAgri
Kenyan Farmers’ Use of Cell Phones: Calling preferred over SMS
By Angela Crandall. The increasing penetration of mobile phones in Kenya has led to a rise in SMS-based information dissemination services. Such services have potential to reduce information asymmetry and empower farmers with weather, market, and other relevant information. However, a number of factors other than the sheer existence of the phone need to be in place for such potential to be realized. Data was gathered using 117 questionnaires administered in 6 Kenyan provinces, as well as 12 focu... - mAgri
Connected Agriculture: The role of mobile in driving efficiency and sustainability in the food and agriculture value chain
From Accenture, Vodafone, and Oxfam. Mobile communications can help to meet the challenge of feeding an estimated 9.2 billion people by 2050. The 12 specific opportunities explored in this study could increase agricultural income by around US$138 billion across 26 of Vodafone’s markets in 2020. Download here... - mAgri
Mobile Applications in Agriculture
By Fritz Brugger. Understanding agriculture as a business, this report puts the farming cycle – and the use of mobile applications in agriculture – into a broader perspective and adopts a view of agricultural activities within their entire economic, social and institutional environment. It tries to understand existing initiatives and experiences as well as the potential of mobile technologies to foster the productivity and performance of individual farmers, of the agrifood value chain includ... - mAgri
The State of Food and Agriculture 2010-11 Women in Agriculture: Closing the gender gap for development
The State of Food and Agriculture, FAO’s major annual flagship publication, aims at bringing to a wider audience balanced science-based assessments of important issues in the field of food and agriculture. Each edition of the report contains a comprehensive, yet easily accessible, overview of a selected topic of major relevance for rural and agricultural development and for global food security. This is supplemented by a synthetic overview of the current global agricultural situation. Downl... - mAgri
Strengthening Rural Livelihoods The impact of information and communication technologies in Asia
Edited by David J. Grimshaw and Shalini Kala. Through its collaboration with the International Development Research Centre (IDRC) in the Programme for Knowledge Networking in Rural Asia and the Pacific (ENRAP), IFAD took the opportunity to examine how information related constraints in poor rural areas are being overcome and how information technology is being employed to the benefit of men and women, young and old who live there. It supported studies in China, India, the Philippines and Sri Lan... - mAgri
Gender in Agriculture Sourcebook
By World Bank, FAO & IFAD. Agriculture for Development, the 2008 World Development Report, showed that agriculture is a critical source of livelihoods for women in many developing countries, and a key pathway out of poverty. It also portrayed women in many rural societies as especially constrained by a lack of access to inputs, productive resources, and services. They also often lack incentives to invest given the greater vulnerability and proportionately greater exposure to risk that res... - Mobile Money for the Unbanked
IFC Mobile Money Study 2011 – Summary
IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. Download: English ... - Mobile Money for the Unbanked
IFC Mobile Money Study 2011 – Brazil
IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. It looks at the technology required and the business models used by mobile network operators, banks, and others in Brazil. Download: English ... - Mobile Money for the Unbanked
IFC Mobile Money Study 2011 – Nigeria
IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. It looks at the technology required and the business models used by mobile network operators, banks, and others in Nigeria. Download: English ... - Mobile Money for the Unbanked
IFC Mobile Money Study 2011 – Thailand
IFC Mobile Money Study was developed to increase understanding of mobile money and help address key issues in scaling up further development of m-money ecosystems globally. It looks at the technology required and the business models used by mobile network operators, banks, and others in Thailand. Download: English ... - Mobile Money for the Unbanked
Women Entrepreneurs in Mobile Retail Channels: Empowering Women, Driving Growth
In this report, we investigate the gender composition of the ‘mobile value chain’ (MVC) in 11 different markets around the world. We examine the current level of women’s participation in the MVC and the benefits of such participation both for MNOs and for women entrepreneurs. Download: English ... - Community Power from Mobile
Harnessing The Full Potential of Mobile for Off-Grid Energy
The first 12 months of the Community Power from Mobile Programme have highlighted both the opportunities and challenges in delivering access to energy through mobile. Through sharing knowledge gained from our work we hope to provide insights to our members and increase the conversations and collaborations we are having with organisations interested in how the advancement of the mobile sector can be best leveraged to develop the off-grid energy market. Download here... - Green Power for Mobile
GPM Bi-annual Report - December 2011
Download here... - Disaster Response
New Technologies in Cash Transfer Programming and Humanitarian Assistance
A study by Concern Worldwide, Oxford Policy Management (OPM) and the Partnership for Research in International Affairs and Development (PRIAD). The research was undertaken to explore (i) preconditions for the use of technological mechanisms identified; (ii) user-friendliness of the technology for the recipient and for the agency; (iii) issues concerning accountability; and (iv) potential for wider impacts. Please view the report by visiting The Cash Learning Partnership website....
- mAgri
World Development Report 2012: Gender Equality and Development
The lives of girls and women have changed dramatically over the past quarter century. Today, more girls and women are literate than ever before, and in a third of developing countries, there are more girls in school than boys. Women now make up over 40 percent of the global labor force. Moreover, women live longer than men in all regions of the world. Download here... - Mobile Money for the Unbanked
Using Mobile Money, Mobile Banking to Enhance Agriculture in Africa
This paper provides a brief overview of mobile money and explains the basics of such services; their current and potential use for agriculture related projects. Download: English ... - Mobile Money for the Unbanked
Policing Financial Services Surveying the Anti-Money Laundering Regulatory Regime
The paper provides an overview of what AML standards mean for public institutions and highlights challenges that have surfaced to date. Download: English ... - Disaster Response
Best Practice and Lessons Learned in Communication with Disaster Affected Communities: Haiti 2010
By Imogen Wall with Yves Gerald Chéry. This paper attempts to capture some of the communication work implemented by a whole range of partners, and to identify what was delivered from the perspectives of those affected by these two major but very different emergencies. The purpose of this exercise is to inform the continuing response in Haiti and to provide practical case studies and analysis of best practice models that may be useful elsewhere. Download here... - Green Power for Mobile
LEO - Burundi - Feasibility Study
LEO (U-Com) Burundi is the largest telecom operator in Burundi, is owned by Orascom Telecom Holding a subsidiary of Vimpelcom group. As a leading telecom operator in Burundi, LEO is providing voice services since 1993 and data services since 2007. Download here... - Mobile Money for the Unbanked
Financial Regulators and the Gateway to Financial Inclusion
Claire Alexandre from the Bill and Melinda Gates Foundation examines the initiatives that have been created worldwide to promote financial inclusion. Download: English ... - mHealth
South Africa Mobile Health Market Opportunity Analysis Full Report
Healthcare stakeholders are increasingly turning their attention to the opportunities that can be enabled through the application of mobile technologies in health. Despite a significant body of research documenting the potential benefits of mobile within healthcare, there remain a number of obstacles to realising this potential and achieving sustainability. Download here... - mHealth
South Africa Mobile Health Market Opportunity Analysis Summary
Healthcare in South Africa is at a critical juncture, facing profound inequalities between public and private healthcare, escalation of costs and critical shortages of healthcare professionals. These and other challenges require immediate, innovative and scalable solutions. There must be a renewed and major investment in health if current gaps in provision are to be filled, something the Government is already planning with its introduction of a new National Health Insurance scheme. Download h... - Mobile Money for the Unbanked
Mobile Banking and Financial Inclusion: The Regulatory Lessons
This paper sets out a framework for considering the design of regulation of mobile banking and mobile money. Download: English ... - mAgri
Agricultural Value Added Services (Agri VAS): Market Entry Toolkit
This document explores the opportunities for Agricultural VAS* and covers emerging best practice on marketing, service design and business modelling. It is primarily addressed to Mobile Network Operators (MNOs), other service providers, and agricultural organisations who are looking to partner and launch Agri VAS. Download here... - mAgri
Agricultural Value Added Services (Agri VAS): Market Assessment & User Needs
At the design stage of any new product or service, it is critical to understand the user’s needs and to identify the unique demographics that exist within the target market. This is especially crucial for Agri VAS as base of pyramid users tend not to be surveyed extensively. Download here... - mAgri
Agricultural Value Added Services (Agri VAS): Service Design
Irrespective of the nature of the target market, a successful Agri VAS design will always endeavour to provide information that is timely, actionable and relevant. Download here... - mAgri
Agricultural Value Added Services (Agri VAS): Marketing
When introducing new products and services, the role of marketing is twofold and serves to: 1. Understand the consumer and their changing information needs (continuously incorporating new insight into the marketing strategy and service design). 2. Drive consumer demand through advertising, sales and optimised distribution. Download here... - mAgri
Agricultural Value Added Services (Agri VAS): Commercial Model & Business Case
Agri VAS should be set up with a long-term commercial and financial model in mind. Although many Agri VAS will leverage ‘seed’ funding for their initial piloting and start-up phases, it is important to avoid the ensuing strictures of donor dependence by adhering to a viable, sustainable business case. Download here... - Mobile Money for the Unbanked
Zap It to Me: The Short-Term Impacts of a Mobile Cash Transfer Program
By Jenny C. Aker, Rachid Boumnijel, Amanda McClelland, and Niall Tierney. This paper reports on the first randomized evaluation of a cash transfer program delivered via the mobile phone. In response to a devastating drought in Niger, households in targeted villages received monthly cash transfers as part of a social protection program. Download: English ... - mLearning
Ambient Insight 2010-2015 Worldwide Mobile Learning Market Forecast Executive Overview
The worldwide market for Mobile Learning products and services reached $3.2 Billion in 2010. The five-year compound annual growth rate (CAGR) is 22.7% and revenues will reach $9.1 billion by 2015. The country-by-country dynamics of the worldwide market are changing fast. In the 2010 market, the US was the top Mobile Learning buying country, followed by Japan, South Korea, the UK, China, and Taiwan. Download here... - Mobile Money for the Unbanked
Cash In, Cash Out Kenya:The Role of M-PESA in the Lives of Low Income People
By Monique Cohen. Using a Financial Diaries methodology, Microfinance Opportunities undertook a study to examine how low-income Kenyans use M-PESA, the country’s pioneering e-money service. The study focused on: the value of M-PESA to low-income individuals; the most likely areas for M-PESA’s future growth; and whether M-PESA can serve as a platform for financial services beyond remittances. Download: English ... - Mobile Money for the Unbanked
Opportunities and Obstacles to Financial Inclusion Survey Report
The survey is intended to provoke dialogue about what financial inclusion is and how to achieve it. It identifies the various pieces needed to complete the puzzle, in the confidence that those working toward financial inclusion can together take actions that will substantially reduce financial exclusion by the year 2020. Download: English ... - Mobile Money for the Unbanked
Savings as Forward Payments: Innovations on Mobile Money Platforms
This paper presents a new framework which allows people to manage their diverse payment, cashflow management and commitment savings needs simply and intuitively, from a single account. It builds on the logic of mobile money platforms, which provide customers with the ability to initiate real-time electronic payments from their mobile phone and to keep funds in a store-of-value account. Download: English ... - mHealth
MET Key Design Considerations for Service Development
Mobile Health technologies and services are proliferating as both the healthcare and mobile industries become increasingly aware and interested in their potential to improve efficiencies and access while reducing costs. The number of wellness and health related applications has grown exponentially as consumers incorporate health and fitness information and tools into their mobile lifestyle. Download here... - mHealth
MET Framework for Technology Assessment for Mobile Health
This paper aims to help mobile industry develop a strategy around the architecture that is needed to deliver on Mobile Health strategies, including the extent to which existing infrastructure can be leveraged, which net new capabilities need to be created, considerations for integration into other systems from other partners and stakeholders. Download here... - mHealth
MET Mobile Health Services Marketing
This paper provides an initial look at the current state of Mobile Health services marketing in developing countries and begins to synthesise the learnings and draw out the differences with respect to the marketing and promotion of Mobile Health services relative to traditional health services or other mobile VAS. Download here... - Green Power for Mobile
Best Practise Procurement Guide for Green Energy in India - September 2011
This document presents a best practise procurement guide for the mobile telecoms sector in India. The Green Power for Mobile best practise guide is based on current intelligence of the Indian Market. Download here... - mAgri
Leveraging Information and Communication Technology for the Base Of the Pyramid
Over the past twenty years, the number of mobile phone subscriptions has risen from 12.4 million to more than 5 billion. The majority of them, equaling 3.8 billion, are in developing countries, where the mobile telecommunications industry has expanded most quickly. Download here ... - Mobile Money for the Unbanked
Diary of a Mobile Money Program e-Book Two: Beneficiary Financial Diaries – In their Own Words
MercyCorp’s e-Book 2 moves beyond initial program insights from the pilot phase to share the experiences of individual usage of mobile money as expressed by program beneficiaries themselves. Drawing on information collected from beneficiary financial diaries, they take an intimate look at the financial lives of these vulnerable rural communities as a mobile money ecosystem is building around them and present a detailed overview of their perceptions, patterns, and preferences, as described by t... - Mobile Money for the Unbanked
Risk Sharing and Transaction Costs: Evidence from Kenya’s Mobile Money Revolution
By William Jack and Tavneet Suri. This paper estimates the impact of M-PESA transaction cost reductions on informal risk sharing using data from a large panel survey conducted between 2008 and 2010. The authors find that households without access to mobile money suffer about 7 percent reductions in consumption when faced with negative income shocks, but those with access to mobile money are able to smooth the effects of these income shocks completely. Download: English ... - Mobile Money for the Unbanked
A Financial Analysis of Mobile Money Services
This paper develops a financial reporting framework to identify (and quantify) operating costs associated with delivering mobile financial services to unbanked populations in emerging markets. The framework is based on a review of relevant literature and an analysis of the financial reporting of conventional money transfer businesses. Download: English ... - Green Power for Mobile
Telecoms Renewable Energy Vendors & ESCOs Landscape in India
This document presents a summary of the current state of the Indian Mobile Telecom Market, an overview of the use of renewable energies for the mobile infrastructure and a listing of the main vendors/ESCOs operating on the Indian market. This analysis is based on current knowledge of the Indian Market as well as publicly available information from vendors, tower companies and mobile operators. Download here... - Mobile Money for the Unbanked
Mobile Banking: The Impact of M-Pesa in Kenya
By Isaac Mbiti and David N. Weil. Analyses data from two waves of individual data on financial access in Kenya, finding that increased use of M-Pesa lowers the propensity of people to use informal savings mechanisms such as ROSCAS, but raises the probability of their being banked. While we find little evidence that people use their M-Pesa accounts as a place to store wealth, our results suggest that M-Pesa improves individual outcomes by promoting banking and increasing transfers. Download: E... - Mobile Money for the Unbanked
Demand Study of Domestic Payments in the Philippines
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Mobile Money in Latin America A case study of Tigo Paraguay
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: Spanish | English ... - Mobile Money for the Unbanked
Evaluación de las capacidades de las entidades microfinancieras del Perú para el despliegue de servicios financieros móviles”
El proyecto ha tenido por objeto estimar las brechas actualmente existentes en el seno de las entidades microfinancieras peruanas asociadas a ASOMIF para una efectiva adopción del nuevo marco regulatorio que próximamente será adoptado por las autoridades financieras del país en favor del uso masivo de la tecnología celular para la provisión de servicios financieros accesibles a una mayoría, hoy desatendida o subatendida, de la población peruana. Download: Spanish ... - Mobile Money for the Unbanked
MMU 2011 Annual Report
Download: English... - Green Power for Mobile
GPM Bi-annual Report - July 2011
Download here... - Community Power from Mobile
The Rockefeller Foundation’s SPEED Project in India
By Zia Khan and from the Green Power for Mobile Bi-annual Report July 2011. Smart Power for Environmentally and Economically Sound Development (SPEED) is an initiative of the Rockefeller Foundation that was initiated in 2008-09 through a consortium of partners: Decentralised Energy Systems India Private Ltd (DESI Power - an India based rural electrification organization), Cleanstar Energy (an organisation involved in sustainable bio-fuels production and distribution) and the Confederation of Ind... - Community Power from Mobile
Community Power from Mobile - Charging Services
The opportunity now exists for mobile network operators to provide electricity beyond the base station and into local communities, a phenomenon which the GSMA Mobile for Development calls “Community Power from Mobile”. Download here... - Community Power from Mobile
Community Power from Mobile: The Ecology Foundation
By Declan Murphy and from the Green Power for Mobile Bi-Annual Report July 2011. Affordable electric power is the underlying currency of all global society. Delivering electric power to off-grid rural communities is a challenge well under way in developing countries. Many approaches are being tried, but the most pragmatic is to use existing infrastructures to facilitate power generation in communities. Download here... - Community Power from Mobile
Energize the Chain Initiative
By Dr. Harvey Rubin and Judah Levine, from the Green Power for Mobile Bi-Annual Report July 2011. People living in the rural regions of developing countries are often deprived of local healthcare facility access. With more than 2 million persons13 dying each year from the unavailability of vaccines, local solutions to ensure vaccines are available and efficient in rural and off-grid regions have to be developed. Download here... - Green Power for Mobile
Green Power for Mobile Charging Choices 2011: Mobile Phone Charging Solutions in the Developing World
As the rate of mobile subscriptions surges in developing countries, mobile phones are becoming a vital tool for empowering remote communities. However, several barriers remain which inhibits full adoption in rural regions. Coupled with the economic factor linked to the Total Cost of Ownership (TCO) of mobile handsets, the energy factor remains one of the top issues for mobile subscribers. Download here... - Green Power for Mobile
Green Power for Mobile's Interactive Replication Guide
This interactive guide is intended to assist Mobile Network Operators navigate through the decision making process of determining if a site is a suitable candidate for renewable energy deployment. Download here... - Community Power from Mobile
Healthcare Opportunity from Community Power from Mobile
From Community Power for Mobile Charging Services. We have all heard statistics concerning vaccine preventable deaths – over two million each year – in developing countries. Although shortage of vaccines may be one key reason, another is that many vaccines must be kept at a prescribed temperature to maintain their potency. Download here... - Green Power for Mobile
Banglalink - Bangladesh - Feasibility Study
The GSMA’s Green Power for Mobile (GPM) programme worked with Banglalink to analyse the entire Banglalink network, which consists of 4760 base stations, to identify specific solutions for energy cost savings. Download here ... - Mobile Money for the Unbanked
On harnessing the potential of financial inclusion
The paper describes one commercially viable initiative in more detail, M-PESA in Kenya, and analyses in detail the transactions involved. It argues that in order to harness the potential of financial inclusion it is vital to permit experimentation with different business models. Regulation is therefore required that enables such experimentation by being calibrated to the type of service offered, but which can be tightened if and when such schemes become bigger with the potential to impact financ... - Mobile Money for the Unbanked
An Emerging Platform: From Money Transfer System to Mobile Money Ecosystem
By Jake Kendall, Philip Machoka, Clara Veniard, and Bill Maurer. While it has often been described as a money transfer product, when mobile money reaches scale it can also be seen as a network infrastructure and platform facilitating the exchange of cash and electronic value between various economic actors including clients, businesses, the government, and financial service providers. In this paper, we document what may be the early stages of just such a transformation in the market for retail f... - mAgri
mAgri Programme Case Study - IKSL, India
IFFCO Kisan Sanchar Limited (IKSL) is a tri-lateral joint venture between the Indian Farmers Fertiliser Cooperative Ltd (IFFCO), the largest farmers’ cooperative in India and airtel, the largest mobile network operator, along with Star Global Resources Limited, rural telephony experts who acquired 25% shares. IKSL provides voice-based agricultural information to empower rural farmers and reinforce the cooperative through the mobile network. After a successful pilot, the service launched in 200... - mAgri
mAgri Programme Case Study - M-Kilimo
In 2009 the GSMA Mobile for Development set up a farmer helpline, M-Kilimo, in Kenya with support from the Rockefeller Foundation. M-Kilimo (‘M-Agriculture’ in Swahili) is a farmer helpline where farmers can call agricultural experts to deal with their queries. The aim of the project was to test and prove the viability of agricultural value added services (Agri VAS). KenCall, the largest business process outsourcing (BPO) company in East Africa with significant experience of providing inform... - Mobile Money for the Unbanked
Putting the Banking in Branchless Banking: Regulation and the Case for Interest-Bearing and Insured E‑money Savings Accounts
Download: English ... - Mobile Money for the Unbanked
The Mobile Financial Services Development Report 2011
Providing a comprehensive analysis of more than 100 variables across 20 countries in Africa, Latin America and Asia, the aim of the report is to build consensus on which drivers are the most important and how they should be measured. It proposes a taxonomy and analytic tool for further analysis. Download: English ... - Mobile Money for the Unbanked
ICT, Financial Inclusion, and Growth: Evidence from African Countries
This paper studies the impact of information and communication technologies (ICT), especially mobile phone rollout, on economic growth in a sample of African countries from 1988 to 2007. Further, it investigates whether financial inclusion is one of the channels through which mobile phone development influences economic growth. Download: English ... - mLearning
mLearning - eLearning Africa Presentation
As of 2007, there were more mobile users in the developing than the developed world. How can we leverage this opportunity? The Mobile for Development accelerates economic, environmental and social evolution through mobile technology. The provision of relevant, scalable mobile services to those in the developing world tangibly improves lives. We are proof that doing good is good business. Download here... - Mobile Money for the Unbanked
Mobile Money Use in Uganda: A Preliminary Study
By Ali Ndiwalana, Olga Morawczynski, and Oliver Popov. Study of mobile money users in Uganda across 3 MNOs. Besides understanding current usage of mobile money, explores different daily financial transactions of respondents. Download: English... - Mobile Money for the Unbanked
Mobile Money Transfers and Usage among Micro- and Small Businesses in Tanzania
By Lennart Bångens & Björn Söderberg. This paper is the result of an effort to analyse how, and to what extent, financial transactions over mobile networks are being used by micro- and small-sized enterprises (MSEs) in Tanzania for business purposes. Download: English ... - Disaster Response
Disaster Relief 2.0: the future of information sharing in humanitarian emergencies
From the Harvard Humanitarian Initiative. This report is a snapshot of an ongoing discussion—a dialogue that the partners to this report wish to extend and continue. Download here... - Green Power for Mobile
Telecel - Zimbabwe - Feasibility Study
Telecel Zimbabwe has a small network consisting of only 290 BTS sites covering the most inhabited areas, and the roads that transverse the country. Zimbabwe has a good commercial power network, although daily outages are common place. Most sites are relatively close to a commercial power connection, at a relatively low cost. Download here... - mAgri
Phase 1 Report: Devices for Agriculture Extension: A Comparative Landscape Study
From D-Rev and UC Berkeley. Written by Kentaro Toyama. The commoditization of consumer audio-video electronics offers a tantalizingly low-cost channel for disseminating information to under-educated, possibly illiterate, populations such as those living in remote rural areas in developing countries. Examples include devices such as Dictaphones, mid-tier mobile phones, and low-cost video camcorders. Agriculture extension is the focus of this study, but analogous applications are seen for instruct... - Mobile Money for the Unbanked
Mobile Money Definitions
Download: French | Spanish | English ... - Community Power from Mobile
Kapil Sibal inaugurates Viom Networks’ Rural Service Centre
From the Green Power for Mobile Bi-annual Report July 2011.The Hon’ble Minister of Communications & Information Technology, Mr. Kapil Sibal, today inaugurated the model Rural Service Centre (RSC) of Viom Networks, India’s leading independent telecom infrastructure company. Download here... - Mobile Money for the Unbanked
Case Study: UBL Pakistan Supports Cash Transfer Payments
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Agent Management Toolkit: Building a Viable Network of Branchless Banking Agents
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Insurance & Technology to Better Serve Emerging Consumers
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A model for ICT based services for agriculture extension in Pakistan
By Mahrukh Siraj. Informed by a research study in Punjab, a model for the use of ICTs in agricultural extension services in Pakistan is proposed which is compatible with the current telecom infrastructure within Pakistan. It uses mobile phones as the user interface for field use by farmers and extension workers. A web-based interface is proposed for institutional users. The model focuses on providing customized information to the users, and is intended to be self-sustaining in about three years.... - Mobile Money for the Unbanked
Diary of A Mobile Money Program (Haiti) e-Book One: From Planning Phase to Pilot Launch
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Driving customer usage of mobile money for the unbanked
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Mapping and Effectively Structuring Operator-Bank Relationships to Offer Mobile Money for the Unbanked
Download: English ... - Green Power for Mobile
Azercell - Azerbaijan - Feasibility Study
In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the GPM team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Azerbaijan, and identified those that are most suitable for green power solutions. Download here... - Green Power for Mobile
Ncell - Nepal - Feasibility Study
In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the GPM team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Nepal and identified those that are most suitable for green power solutions. Download here... - Green Power for Mobile
Tcell - Tajikistan - Feasibility Study
In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the GPM team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Tajikistan and identified those that are most suitable for green power solutions. Download here... - Green Power for Mobile
TeliaSonera - Feasibility Study
In March 2011, Swedish telecom major TeliaSonera Eurasia signed an agreement with the GSMA for a Feasibility Study to be conducted by the Green Power for Mobile (GPM) team. The study encompassed technical and financial feasibility analyses on a large number of base stations in TeliaSonera’s existing and planned networks in Nepal, Tajikistan and Azerbaijan, and identified those that are most suitable for green power solutions. Download here... - mHealth
Mobile Health in the Pharmaceutical Industry
This overview examines the extent to which mobile applications can support the pharmaceutical sector. It will examine why these applications have largely not been driven by the mobile industry, and identifies the potential role for MNOs if they want to take on a larger portion of this sector. Download here... - mHealth
Mobile Health in the Health Insurance Industry
This overview examines the extent to which mobile applications can support the health insurer sector. It will examine why these applications have largely not been driven by the mobile industry, and identifies the potential role for MNOs if they want to take on a larger portion of this sector. Download here... - Green Power for Mobile
Telecel - Central African Republic - Feasibility Study
The country has abundant hydroelectric resources that provide reliable and inexpensive power to the capital city. About 80 percent of the CAR's electricity is provided by hydroelectricity, most of which is generated north of Bangui, with fossil fuels providing the rest. Download here... - mAgri
ICTs and Empowerment of Indian Rural Women: What can we learn from ongoing initiatives?
Written by Rasheed Sulaiman, N.J Kalaivani, Nimisha Mittal & P. Ramasundaram.There has been a lot of interest during the last two decades in employing Information and Communication Technologies (ICTs) for achieving development. While many of these initiatives have benefited rural women by way of access to new information and new employment opportunities, women still face a number of constraints in accessing ICTs. This paper explores the role of ICTs in empowering Indian rural women, through ... - mAgri
Dial A for Agriculture: A review of information and communication technologies for agricultural extension in developing countries
Written by Jenny Aker. Agriculture can serve as an important engine for economic growth in developing countries, yet yields in these countries have lagged far behind those in developed countries for decades. One potential mechanism for increasing yields is the use of improved agricultural technologies, such as fertilizers, seeds, and cropping techniques. Public sector programs have attempted to overcome information-related barriers to technological adoption by providing agricultural extension se... - Green Power for Mobile
Telefónica - South America - Feasibility Studies
The GSMA conducted a six country study for Telefónica in South America. The countries covered by this study were Argentina, Chile, Colombia, Mexico, Nicaragua, and Venezuela. Download here... - Mobile Money for the Unbanked
Beyond Payments – Next Generation Mobile Banking for the Masses
Download: English ... - mHealth
Policy and Regulation for Innovation in Mobile Health
As healthcare systems around the world tackle the challenges of rising demand and expectations, mobile communications are opening up new possibilities for improving access, for freeing time for clinicians to spend on care rather than administration, and for engaging people in their own health and wellness. Download here... - Mobile Money for the Unbanked
Regulatory Impact on Business Model Choice
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: English ... - Mobile Money for the Unbanked
M-Banking: Oportunidades y barreras para el desarollo de servicios financieros en America Latina
By Álvaro Martín Enríquez, Santiago Fernández de Lis, Verónica López Sabater and Ignacio Rodríguez Téubal. This report investigates emerging models and trajectories of development in m-payments and m-banking in the Latin American context. Download: Spanish... - Mobile Money for the Unbanked
Half the World is Unbanked
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Financial Education: A Bridge between Branchless Banking and Low-Income Clients
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Branchless Banking Agents in Brazil: Building Viable Networks
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Building, Incentivising and Managing a Network of Mobile Money Agents: A Handbook for Mobile Network Operators
Download: French | Spanish | English ... - Mobile Money for the Unbanked
Bridging the Cash: The Retail End of M-PESA
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The Economics of M-PESA: An Update
By William Jack and Tavneet Suri. Download: English ... - Mobile Money for the Unbanked
Window on the Unbanked: Mobile Money in the Philippines
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Nonbank E-Money Issuers: Regulatory Approaches to Protecting Customer Funds
Download: English ... - mHealth
Mobile Health: Who Pays?
Published by GSMA & ATKearney. Mobile Health is big news in the telecoms industry. Although there is little consensus on the size, or even scope, of the global market for mobile health, several sources predict a market in the United States on the order of 4.5 billion dollars within the next two to three years. Download here... - mAgri
Impact of SMS-Based Agricultural Information on Indian Farmers
By Marcel Fafchamps & Bart Minten from the International Food Policy Research Institute and Oxford University. The purpose of this study is to estimate the bene.ts that Indian farmers derive from market and weather information delivered by their mobile phone.We conduct a controlled randomized experiment in 100 villages of Maharashtra. We find no statistically significant average effect of treatment on the price received by farmers, on crop losses resulting from rainstorms, or on the likeli... - mAgri
Using ICT to Provide Agriculture Market Price Information in Africa
Written by Action for Enterprise and Judy Payne of USAID. Download here... - Mobile Money for the Unbanked
Migration and Remittances Fact Book 2011
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Is there Really any Money in Mobile Money?
Download: French | English ... - Green Power for Mobile
Mobinil - Egypt - Feasibility Study
Mobinil has a large network consisting of nearly 5000 sites covering the most inhabited areas, and the roads that transverse the country. Egypt has a good commercial power supply in most inhabited areas, but many of the Mobinil sites are in remote areas covering the large road network, and these sites have no access to commercial power. Download here... - mAgri
Using Mobile Money, Mobile Banking to Enhance Agriculture in Africa
By Judy Payne of USAID and Krish Kumar of ACDI/VOCA. Download here... - Green Power for Mobile
GPM Bi-annual Report - November 2010
Download here... - mLearning
mLearning A Platform for Educational Opportunities at the Base of the Pyramid
We have seen over the past years how mobile is playing an increasing role in addressing development issues – such as providing access to banking, to health information, to agricultural services reaching rural farmers. Download here... - mAgri
ICT Applications for Distribution and Supply Chain Management in Sub-Saharan African Agriculture
Written by Action for Enterprise and Judy Payne, USAID. Download here... - mAgri
African Agriculture and ICT: An Overview
Witten by Judy Payne of USAID, Josh Woodard of AED, and the IRIS Center at the University of Maryland. Download here... - mAgri
ICT to Enhance Warehouse Receipt Systems and Commodity Exchanges in Africa
Written by Sophie Walker of ACDI/VOCA. Download here... - mAgri
ICT to Enhance Farm Extension Services in Africa
Written by Judy Payne of USAID, Josh Woodard of AED, and the IRIS Center at the University of Maryland. Download here... - Green Power for Mobile
Econet Lesotho - Lesotho - Feasibility Study
The GSMA Green Power for Mobile (GPM) programme was commissioned by Econet Lesotho during Q1 2010 to complete a Feasibility Study to analyse the operator’s network and propose an implementation plan for a green power network. Download here... - Mobile Money for the Unbanked
Commitments to Save: A Field Experiment in Rural Malawi
By Lasse Brune, Xavier Giné, Jessica Goldberg and Dean Yang. Download: English ... - mLearning
Mobile Learning Objects Deployment and Utilization in Developing Countries
By Paul B. Muyinda, Jude T. Lubega, and Kathy Lynch, from the International Journal of Computing and ICT Research Special Issue. The increasing ability to access Internet via mobile devices means that learning objects can be deployed and utilized on those devices. Increasing research attention has been accorded to the design and development of reusable learning objects for tethered and mobile based learning management systems. Download here... - Green Power for Mobile
Energy for the Telecom Towers: India Market Sizing and Forecasting
This document presents the market opportunity for Energy Service Companies (ESCOs) and investors in India considering the outsourcing of the energy component of telecoms towers. Download here... - Green Power for Mobile
Hello - Cambodia - Feasibility Study
GSMA’s Green Power for Mobile (GPM) programme worked with Hello to analyse the entire Hello network - consisting of 622 base stations - to identify specific solutions for energy cost savings. Download here... - Mobile Money for the Unbanked
The Economics of Branchless Banking
Agent distribution and the economics of branchless banking is a topic of great importance. Originally published in Innovations, a quarterly journal published by MIT Press, Ignacio’s article offers a definition of branchless banking and a great deal of detail around the economic drivers. Download: English ... - Mobile Money for the Unbanked
USAID Mobile Financial Services Risk Matrix
Detailed analysis of the various risks involved in the different models of mobile financial services, as viewed from each of the key stakeholders involved in these transactions. The research was undertaken in collaboration with Booz Allen, the Kenya School of Monetary Studies, the research and training arm of the Central Bank of Kenya, and involved discussions with various stakeholders around the globe including the GSMA and CGAP.” Download: English ... - mLearning
Ambient Insight Mobile Learning Market 2009-2014
Key findings from Ambient Insight Research Download here... - Mobile Money for the Unbanked
Community Level Economic Effects of M-PESA in Kenya: Initial Findings
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Mobile Money: Methodology for Assessing Money Laundering and Terrorist Financing Risks
Download: French | Spanish | English ... - Green Power for Mobile
GPM Bi-annual Report - June 2010
Download here... - Green Power for Mobile
IFC Financial Products for Green Power
By Ian Larsen, published in the GPM Bi-annual Report June 2010. In the longer term, green power has significant potential to reduce a Mobile Network Operator’s (MNO) carbon footprint and slow energy consumption growth. A reliable green power source at a Base Transceiver Station (BTS) can be a very practical component of any MNO’s current effort to expand its network into those remote areas that lack reliable grid power provision. Download here... - Green Power for Mobile
HOMER Software: Training Guide for Renewable Energy Base Station Design
HOMER is a free software application developed by the National Renewable Energy Laboratory in the United States. This software application is used to design and evaluate technically and financially the options for off-grid and on-grid power systems for remote, stand-alone and distributed generation applications. It allows you to consider a large number of technology options to account for energy resource availability and other variables. Download Here... - Green Power for Mobile
Econet - Burundi - Feasibility Study
The GSMA Mobile for Development was commissioned by Econet Wireless Burundi during March to May 2010 to complete a Green Power for Mobile Feasibility Study to analyse the operator’s network and propose a plan for a green power network. Download here... - mLearning
An Exploratory Study of Unsupervised Mobile Learning in Rural India
Cellphones have the potential to improve education for the millions of underprivileged users in the developing world. However, mobile learning in developing countries remains under-studied. In this paper, we argue that cellphones are a perfect vehicle for making educational opportunities accessible to rural children in places and times that are more convenient than formal schooling. Download here... - Mobile Money for the Unbanked
Three Keys to M-PESA’s Success: Branding, Channel Management and Pricing
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True Money and M-PESA: Two Unique Paths to Scale
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A Penny Saved: How Do Savings Accounts Help the Poor?
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It’s time to address the microsavings challenge, scalably
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Hand‐held Doctors and Mobile Premium Payments: How Technology can Improve Insurance for the Poor
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M-Insurance: The Next Wave of Mobile Financial Services?
By Jeremy Leach. Download: English... - Green Power for Mobile
MTN - Uganda - Feasibility Study
Download here... - Mobile Money for the Unbanked
Notes From The Field: The Emerging Effects of M-PESA’s Rural Outreach at the Household Level
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Mobile Phones and Economic Development in Africa
By Jenny C. Aker and Isaac M. Mbiti. From Journal of Economic Perspectives, Volume 24, Number 3, Summer 2010, pp. 207–232. Download: English... - Mobile Money for the Unbanked
Capturing the promise of mobile banking in emerging markets
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Protecting Branchless Banking Consumers: Policy Objectives and Regulatory Options
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Outreach of M-PESA System in Kenya: Emerging Trends
By Sherri Haas, Megan G. Plyler, and Geetha Nagarajan. Download: English ... - Mobile Money for the Unbanked
Micro e-payments and low-cost schooling in Kenya
Download: English ...
- Mobile Money for the Unbanked
Mobile Payments Go Viral: M-PESA in Kenya
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Scaling Mobile Money
By Ignacio Mas and Dan Radcliffe. Download: English... - Mobile Money for the Unbanked
Branchless Banking 2010: Who’s Served? At What Price? What’s Next?
Download: English ... - mAgri
Community Knowledge Worker Pilot Report
Grameen Foundation’s Community Knowledge Worker Initiative is based on the belief that a distributed network of intermediaries, or Community Knowledge Workers (CKWs), can use mobile devices to collect and disseminate information to improve the livelihoods of smallholder farmers. Download here... - mAgri
Socio-Economic Impact of Mobile Phones on Indian Agriculture
By Surabhi Mittal, Sanjay Gandhi, and Gaurav Tripathi. This paper investigates a series of questions that explore this topic: What kind of information do farmers value the most to improve agricultural productivity? Do mobile phones and mobile-enabled agricultural services have an impact on agriculture? What are the factors that impede the realisation of the full productivity enhancing potential of mobile phones? The answers to these questions have important implications for mobile operators, ... - Mobile Money for the Unbanked
Reframing Microfinance: Enabling Small Savings and Payments, Everywhere
Download: English ... - Community Power from Mobile
Third Parties Will Implement Complex Community Power Applications
Published January 2010 by Sagar Gubbi. Increased market competition in high growth markets such as India has put tremendous pressure on the operating margins of mobile operators, which is driving increased popularity of the outsourced/managed services business model. Download here... - Green Power for Mobile
Community Power: Using Mobile to Extend the Grid
A significant opportunity exists to provide environmentally sustainable energy to people in the developing world who live beyond the electricity grid. And it is the mobile telecoms industry–which has already brought phones beyond the fixed telecoms grid–which holds the key to this next infrastructure innovation. Download here... - Mobile Money for the Unbanked
Regulation and Supervision of Branchless Banking in Latin America
In the evolving and expanding field of branchless banking, the view from Latin America includes a wide range of country-by-country experiences. While the region is a mix of novices and market leaders, with varying degrees of penetration of financial services and differing approaches to models, the prospects are certainly promising. There is growing interest among regulators and providers across the region to increase financial access for low-income and remote users in their countries. Link: W... - Mobile Money for the Unbanked
Is Mobile Banking More Hype than Reality?
Branchless banking, including mobile phone banking, could be the primary channel for poor people to get basic financial services by the year 2020. So says “Scenarios for Branchless Banking in 2020, a new report from CGAP and the U.K.’s Department for International Development (DFID). The report is the product of a six month scenario-building project that engaged nearly 200 leaders from the fields of technology and finance from more than 30 countries. Link: Website... - Green Power for Mobile
GPM Bi-annual Report - November 2009
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Evaluating Green Power Technologies
From the Green Power for Mobile Bi-Annual Report 2009 and written by David Taverner. Download here... - Green Power for Mobile
Digicel - Haiti - Feasibility Study
The GSMA Green Power for Mobile programme was commissioned by Digicel Haiti during Q4 2009 to complete a Feasibility Study to analyse the operator’s network and propose an implementation plan for a green power network. Download here... - Green Power for Mobile
Zantel - Tanzania - Feasibility Study
The GSMA Green Power for Mobile (GPM) programme was commissioned by Zantel, Tanzania during Q3 2009 to complete a Feasibility Study to analyse the operator’s network and propose an implementation plan for a green power network. Download here... - Mobile Money for the Unbanked
Converting cash into electronic money: A Philippines story
By Xavier Faz. Merchants in the Philippines are finding they have the capacity and the interest to offer financial services to consumers as a new line of business. However, in order for these new ventures to succeed, a network of providers will need to be selected, and issues such as cash management, investment levels, large loan disbursement capability, profitability, and aGlobalt network management will need to be addressed. Link: Website... - Mobile Money for the Unbanked
Scenarios for Branchless Banking in 2020
By Mark Pickens, David Porteous, and Sarah Rotman. CGAP and DFID undertook a scenario-building project trying to answer the question “How can government and private sector most affect the uptake of branchless banking by 2020? Download: English ... - Mobile Money for the Unbanked
Seeking Fertile Grounds for Mobile Money
By Amrik Heyer and Ignacio Mas.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 uptake of mobile money. The authors demonstrate that aside from strong strategy and good business models, the uptake of financial services in developing countries is dependent on the extent of market penetration and the political environm... - Mobile Money for the Unbanked
A closer look at ZAP in East Africa
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The GSMA’s Mobile Money Business Model Framework
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: English... - mLearning
m4Lit - A Teen m-Novel Project in South Africa
By Steve Vosloo, Marion Walton & Ana Deumert. The m4Lit (mobile phones for literacy) pilot project will create a mobile novel (m-novel), published on a mobisite in English and in isiXhosa, to explore ways of supporting teen leisure reading and writing around fictional texts in South Africa, using mobile media. The story will be published serially and invite readers to interact with it as it unfolds – teens will vote on and discuss the unfolding plot, leave comments, and finally submit a w... - Mobile Money for the Unbanked
Branchless Banking Regulation in Indonesia
Only 50 percent of Indonesian citizens have a bank account with a formal financial institution, according to recent World Bank estimates. However, that headline statistic conceals an important detail within the data: only 20–34 percent of rural households have access to banking services. Download: English... - Mobile Money for the Unbanked
M-PESA: Connecting Urban and Rural Communities
In Kenya, there is little doubt that mobile banking has been broadly welcomed by millions of people who use their mobile phones to access financial services that previously were out of reach. However, there are surprisingly little publicly available data on how mobile banking is changing the lives of the nearly 7 million customers who together transfer nearly US$2 million a day through Kenya’s M-PESA service. Link: Website... - Mobile Money for the Unbanked
Diagnostic Report on the Legal and Regulatory Environment for Branchless Banking in El Salvador
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in El Salvador. Download: English... - Mobile Money for the Unbanked
Branchless Banking Policy Diagnostic for Mexico
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Mexico. Download: English ... - Mobile Money for the Unbanked
Mobile Banking in Tanzania: Can Kenya's success be replicated next door?
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Breaking out of Branches: Continuing evolution of the Mexican banking sector
In 2008, Mexico joined an increasing number of countries that permit and regulate systems known as correspondent or branchless banking. However, in Mexico, a continuing debate over certain regulatory details could temper outreach to clients. Banks in Mexico have been using Globalts in a limited way for years, and the underlying regulatory framework has changed significantly over time. Link: Website... - Mobile Money for the Unbanked
Mobile Banking: From Concept to Reality
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The Role of Mobile Operators in Expanding Access to Finance
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The Impact of Mobile Phones on the Status of Women in India
Written by Dayoung Lee. Mobile phones have grown at an extraordinary rate throughout the developing world in recent years. They are potentially an invaluable economic asset to the poor and an important tool for strengthening social ties. Mobile phones may also help women overcome physical boundaries, especially in places where they are separated from their support networks and bound within their husband’s social sphere. This paper examines the impact of mobile phones on the status of women i... - mLearning
Environmental Factors Influence on Mobile Learning Business
By Alireza Nasiri and Guishi Deng, from the American Journal of Applied Sciences. Recently, there has been growing interest in m-learning consequently emerging m-learning technology is promising technological and educational business. Nevertheless, m-learning is a new business and the different actors are still trialing by ways of a diversity of business models to overcome in able to achieve a sustainable and profitable place in this market. Download here ... - mLearning
Improving Cross-Cultural Awareness and Communication through Mobile Phones
By Adele Botha, Steve Vosloo, John Kuner, and Madelein van den Berg, from International Journal of Mobile and Blended Learning. Increasingly, technology is mediating the way in which the youth around the world communicate, consume content and create meaning. As mobile communication media and the internet become more pervasive, young people from different cultures and communities are afforded more opportunities for collaboration across previously unbridgeable distances. Download here... - Mobile Money for the Unbanked
South Africa: Mobile banking reaches beyond the city
Globally, there are only a few examples of successful banking services that reach poor people in remote areas. Working with the CGAP Technology Program, WIZZIT, a division of the South Africaican Bank of Athens Limited, will demonstrate how the reach of such services can be expanded with mobile technology and local aGlobalts who handle cash. Link: Website... - Mobile Money for the Unbanked
Protecting the poor: A microinsurance compendium
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Accelerating Financial Inclusion through Innovative Channels
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What makes a Successful Mobile Money Implementation? Learnings from M-PESA in Kenya and Tanzania
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International Remittance Service Providers
An overview of mobile International Remittance Service Provider service offerings. Download: English ... - Mobile Money for the Unbanked
Mobile Money for the Unbanked Quarterly Report 2009
Communicates the progress of the GSMA MMU initiatve as well as provide significant reserach into key mobile money issues. Download: English ... - Mobile Money for the Unbanked
Consumer Protection a Key Issue for Branchless Banking
In recent years, a host of developing countries have issued regulations governing mobile transactions, e-money, and other aspects of branchless banking to aid in securely extending financial services to more citizens. Link: Website... - Mobile Money for the Unbanked
The Key to Successful Mobile Banking Services
A thriving network of aGlobalts is vital to the success of any branchless banking business model. However, building and sustaining an aGlobalt network has proven to be challenging for branchless banking pioneers, particularly in the mobile banking space. In a survey of two of the fastest growing mobile banking networks serving poor people – M-PESA in Kenya and G cash in the Philippines – CGAP found that providers have successfully established large agent Networks, but they continue to face d... - Mobile Money for the Unbanked
What you don’t know about M-PESA
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Financial Access 2009: Measuring Access to Financial Services around the World
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Mobile Phones and Financial Services in Developing Countries: A Review of Concepts, Methods, Issues, Evidence and Future Research Directions
By Richard Duncombe and Richard Boateng. Download: English ... - Mobile Money for the Unbanked
M-PESA: Mobile Money for the "Unbanked" - Turning Cellphones into 24-Hour Tellers in Kenya
By Nick Hughes and Susie Lonie. Download: English ... - Mobile Money for the Unbanked
Expanding the Financial Services Frontier: Lessons from Mobile Phone Banking in Kenya
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Mobile-Banking Adoption and Usage by Low-Literate, Low-Income Users in the Developing World
By Indrani Medhi, Aishwarya Ratan, and Kentaro Toyama. Download: English ... - Mobile Money for the Unbanked
Exploring Trust in Mobile Banking Transactions: The Case of M-PESA in Kenya
By Olga Morawczynski and Gianluca Miscione. Download: English ... - Mobile Money for the Unbanked
The Role of Partnerships and Strategic Alliances to Promote Mobile Phone Banking at the Bottom of the Pyramid
By John Owens, MicroSave Briefing Note # 68. Download: English ... - mAgri
Inventory of Innovative Farmer Advisory Services using ICTs
Prepared by: Mucemi Gakuru, Kristen Winters & Francois Stepman. This Inventory of Innovative Farmer Advisory Services (66 pages) is the result of an online consultation with the FARA Regional Agricultural Information & Learning System (RAILS) held during the month of October 2008 + desk study. It is an attempt to document all known innovative farmer advisory services or systems, currently in design, in existence or recently completed in Africa. Download here... - Mobile Money for the Unbanked
M-Banking: The key to building credit history for the poor?
Mobile transaction data may potentially help this population establish a formal credit history, help lenders more accurately evaluate credit risk, and lead to increased access to financial services for the poor. Download: English... - Mobile Money for the Unbanked
Notes on Regulating Branchless Banking in Colombia
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Colombia. Download: English ... - mAgri
"Can You Hear Me Now?" How Cell Phones are Transforming Markets in Sub-Saharan Africa
In this CGD Note, post-doctoral fellow Jenny Aker assesses the impact of mobile phones on grain market performance in one of the world’s poorest countries. She finds that the introduction of mobile phones is associated with a 20 percent reduction in grain price differences across markets, with a larger impact for markets that are farther apart and those that are linked by poor-quality roads. Cell phones also have a larger impact over time: as more markets have cell phone coverage, the greater ... - Mobile Money for the Unbanked
Branchless Banking: Testing remote access models for Southern African countries
Review of 30 models of remote access banking initiatives from around the world with the purpose of identifying models that might work in Southern Africa. Download: English ... - Mobile Money for the Unbanked
Is m-banking advancing access to basic banking services in South Africa?
Download: English ... - Mobile Money for the Unbanked
Notes on Regulating Branchless Banking in the Philippines
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in the Phillipines. Download: English ... - Mobile Money for the Unbanked
Developing Mobile Money Ecosystems
Summary of May’s 2008 Mobile Money Summit in Cairo. Download: English ... - Mobile Money for the Unbanked
Mobile Banking to Transform Microfinance
With the right market conditions, mobile banking could reach large numbers of poor people who are outside the formal financial system, predicts a new report from CGAP, the global microfinance body. “The Early Experience with Branchless Banking” is based on the research and observations of CGAP’s work in technology and microfinance. Link: Website... - Mobile Money for the Unbanked
Notes on Regulating Branchless Banking in Russia
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Russia. Download: English ... - Mobile Money for the Unbanked
Finance for All? Policies and Pitfalls in Expanding Access
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Banking on Mobiles: Why, How, for Whom?
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Banking through Networks of Retail Agents
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Surviving in the Dual System: How M-PESA is Fostering Urban-to-Rural Remittances in a Kenyan Slum
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Notes on Regulating Branchless Banking in Brazil
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2007 in Brazil. Download: English ... - Mobile Money for the Unbanked
Notes on Regulating Branchless Banking in South Africa
The findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in South Africa. Download: English ... - Mobile Money for the Unbanked
Understanding Financial Regulation And How It Works
Gives an overview of financial regulation AMC/KYC in the context of MMT English... - Mobile Money for the Unbanked
Notes on Regulating Branchless Banking in India
Findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2007 in India. Download: English ... - mLearning
Math on MXit: Using MXit as a Medium for Mathematics Education
It is common cause that the average mathematics mark among high school learners in South Africa has declined. Traditional “math clubs” and “math extra lessons” often do not work because of a number of reasons. Download here... - Mobile Money for the Unbanked
The Potential for Mobile Banking in Zambia
Aims to assess if the mobile phone has any additive or transformational potential in Zambia. Download: English ... - Mobile Money for the Unbanked
Notes on Regulation of Branchless Banking in Kenya
Notes on Regulating Branchless Banking in Kenya Download: English ... - Mobile Money for the Unbanked
Measuring the Potential for Mobile Phone Banking
This paper uses information from the FinScope™ Zambia survey to assess the extent to which mobile phones may have transformational or additive potential in Zambia. Download: English ... - Mobile Money for the Unbanked
Mobile Banking Technology Options
An overview of the different mobile banking technology options, and their impact on the mobile banking market. Download: English ... - Mobile Money for the Unbanked
The Transformational Potential of M-Transactions
Contributes to thinking about potential social and economic impact of m-transactions, addressing some of the drivers of current activity and looking at various related policy aspect Download: English ... - Mobile Money for the Unbanked
Notes on Regulation of Branchless Banking in Pakistan
In Pakistan findings and recommendations as a result of a branchless banking policy and regulatory diagnostic carried out in 2008 in Pakistan. Download: English ... - Mobile Money for the Unbanked
The Enabling Environment for Mobile Banking in Africa
Investigates emerging models and trajectories of development in m-payments and m-banking in the African context based in part on the analysis of circumstances in Kenya and South Africa. Download: English ... - Green Power for Mobile
MTC Namibia - Case Study
One of the greatest challenges facing GSM operators in emerging markets is the demand for network expansion in an environment where there is limited or no access to the electricity grid for base station power. Download here... - Green Power for Mobile
IDEA Cellular India
A key reason why many regions of the world lack GSM coverage is the limited reach of the electricity grid. In Nigeria for example only 25% of base stations are connected to ‘the grid’ which means Operators have to solve the power issue themselves in order to extend coverage to remote parts of the world. As a result, Africa alone consumes over 30 million litres of diesel per annum powering base stations (an average of 18,000 litres per base station per year). Download here... - Mobile Money for the Unbanked
Mobile Banking: Implementation Choices
Basic criteria for whether and how to establish a mobile banking business. Download: English ... - Mobile Money for the Unbanked
Banking & the Last Mile: Technology and the Agent Networks of financial services in developing countries
How is technology changing the last mile for banking? Will this happen spontaneously? Can developing countries leapfrog? Download: English ... - mAgri
Innovations in Rural Extension: Case Studies from Bangladesh
Edited by P Van Mele, Agro-Insight, Belgium; A Salahuddin, International Rice Research Institute, Bangladesh; and N P Magor, International Rice Research Institute, Bangladesh. During the past five years, the PETRRA (Poverty Elimination Through Rice Research Assistance) project has explored the development of innovative extension mechanisms through a learning-by-doing process with multiple service providers. Partnerships linked government, non-government and private sectors as appropriate. Top... - mLearning
Low key mlearning - a realistic introduction of mlearning to developing
By Ken Masters, Faculty of Health Sciences, University of Cape Town. In August 2004, the Faculty of Health Sciences (FHS) at the University of Cape Town (UCT), South Africa, recognised a need to communicate with students in ways not accommodated by current online methods. Consequently, it planned a Pilot project, to be implemented in January 2005, to examine an m-learning solution. Download here...
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