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Restricted - Confidential Information © GSMA 2013
State of the Industry – Results
from the 2012 Global Mobile
Money Adoption Survey
Full report available here
Claire Pénicaud – [email protected]
February 2013
Restricted - Confidential Information © GSMA 2013
MMU Deployment Tracker
MMU Global Mobile Money
Adoption Survey
2012 Global Mobile Money Adoption Survey Findings
Tracking the progress of the industry
Restricted - Confidential Information © GSMA 2013
2012 Global Mobile Money Adoption Survey Findings
78 participants from 49 countries
Participants include
and many more…
AGENDA • How is mobile money spreading
globally?
• How many people are using mobile
money?
• How are customers using mobile
money?
• How is the distribution of mobile
money evolving?
• How do the performances of mobile
money deployments compare?
• What does it mean for financial
inclusion?
1. How is mobile
money spreading
globally?
Community Power for Mobile
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2012 Global Mobile Money Adoption Survey Findings
Mobile Money is continuing to expand rapidly around the world
150 live services
in 72 countries
41 new launches in 2012
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2012 Global Mobile Money Adoption Survey Findings
Mobile Money is becoming increasingly competitive
Two or more mobile money services One mobile money service
Planned mobile money services
40 markets with at least 2 mobile money services
2. How many
people are using
mobile money?
Community Power for Mobile
Restricted - Confidential Information © GSMA 2011
Restricted - Confidential Information © GSMA 2013
2012 Global Mobile Money Adoption Survey Findings
There are around 30 million active mobile money accounts
6 services have
more than 1m
active mobile
money accounts
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2012 Global Mobile Money Adoption Survey Findings
There are 82 million registered mobile money accounts
In Sub-Saharan Africa, there are twice as many mobile
money users as Facebook users.
Western Africa:
7.8m registered accounts
720,000 active accounts
Eastern Africa:
48.5m registered accounts
9.7m active accounts
South Asia:
13.3m registered accounts
3.8m active accounts
East Asia and Pacific:
4.3m registered accounts
1.8m active accounts
Restricted - Confidential Information © GSMA 2013
2012 Global Mobile Money Adoption Survey Findings
There are more mobile money
accounts than bank accounts
in 4 countries:
Kenya, Madagascar, Uganda,
Tanzania
What does it mean for financial inclusion?
3. How are
customers using
mobile money?
Community Power for Mobile
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2012 Global Mobile Money Adoption Survey Findings
224.2m
mobile money
transactions…
… totalling
$4.6bn
In June 2012:
Transaction volumes are comparable to PayPal (which processed
approx. 196.3m transactions per month during Q3 2012)
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2012 Global Mobile Money Adoption Survey Findings
Most mobile money transactions are airtime top-ups, but P2P
transfers represent most of the value transacted Global product mix by volume
(June 2012)
Global product mix by value
(June 2012)
Restricted - Confidential Information © GSMA 2013
2012 Global Mobile Money Adoption Survey Findings
In some countries, the
total value of mobile
money transactions is
equivalent to a
significant proportion
of the country’s GDP:
• > 60 % in Kenya
• > 30% in Tanzania
• > 20% in Uganda.
What does it mean for financial inclusion?
4. How is the
distribution of
mobile money
evolving?
Community Power for Mobile
Restricted - Confidential Information © GSMA 2011
Restricted - Confidential Information © GSMA 2013
2012 Global Mobile Money Adoption Survey Findings
There are 520,000 registered mobile money agent outlets
There are already as many mobile money outlets as there
are Western Union points of sale globally.
+82.5% annualized growth rate
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2012 Global Mobile Money Adoption Survey Findings
There are more mobile
money agent outlets than
bank branches in 28
countries.
What does it mean for financial inclusion?
5. How do the
performances of
mobile money
deployments
compare?
Community Power for Mobile
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Restricted - Confidential Information © GSMA 2013
2012 Global Mobile Money Adoption Survey Findings
2011: The mobile money industry is a two-tier landscape
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2012 Global Mobile Money Adoption Survey Findings
2012: The mobile money industry is a two-tier landscape but
there are more sprinters in 2012 than in 2011
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2012 Global Mobile Money Adoption Survey Findings
Sprinters have few external factors in common…
Most sprinters are in East Africa, but
sprinters can be found in most regions.
No linear statistical correlation with MNO
market share (3 sprinters <25% ).
No linear statistical correlation with GSM
penetration levels: Sprinters operate in
markets from 28% to 103%.
The vast majority of sprinters are MNOs.
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2012 sprinters have operational best practice in common
• OpEx business
• Mobile money
contributing btw
1 – 5% revenues
for most , >10%
for 4 sprinters
Investment
• Likely to report to
CEO, separate
business unit
• Heavy growth in
FTE
Org Structure
Distribution
• Multiple ways to
access liquidity
• Active agent
management
Marketing
• ATL for
awareness, BTL
to drive adoption
• Prioritised 1-2
products at
launch