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Enabling Environment: Mobile Money at the Crossroads
February 16, 2011
Claire AlexandreFinancial Services for the Poor
2© 2010 Bill & Melinda Gates Foundation |
Where will regulators land?
April 9, 2023
G20 on Financial Inclusion
Microcredit
Mobile Money Market Deployments
© 2010 Bill & Melinda Gates Foundation |
Banking beyond branches: increasing choice
INSTITUTIONS(Who can issue accounts)
ACCOUNTS(KYC requirements)
DISTRIBUTION(Cash transactions)
BanksMFIs,Coops
Non-banks(e-money)
Full KYCDelegated
KYCNo KYC
BranchesSellingagents
Cashmerchants
E-CHANNELS(Payment instruments)
InternetCards /
POSMobiles
4© 2010 Bill & Melinda Gates Foundation |
Mitigating mobile money risks
April 9, 2023
Technical Platform
Internal Controls
ContractsEnforcement
Technology & operations risk
Financial risk
Systemic risk
Prudential risk if float 100% in bank & segregated
Consumer Protection
Anti Money Laundering
Restricted - Confidential Information
© GSMA 2009
All GSMA meetings are conducted in full compliance with the GSMA’s anti-trust compliance policy
The MMU programme is funded by a grant from the Bill & Melinda Gates Foundation
Marina Solin
Mobile money at cross-roads
Confidential 6
Mitigating mobile money risks
6April 9, 2023
Technical Platform
Internal Controls
ContractsEnforcement
Technology & operations risk
Financial risk
Systemic risk
Prudential risk if float 100% in bank & segregated
Consumer Protection
Anti Money Laundering
Confidential 7
Where will the operators land?
Ambition
Regulatory Situation
Customer Adoption
Confidential 8
Enabling regulatory environment: AML/CFT regulation
Easy registration enables financial
inclusion
Global standard setters
National level
Commercial level
Direct and indirect GSMA
input
GSMA Methodology
Case Study
Confidential 9
Enabling regulatory environment: e-money and payments
Non-banks offer innovative mobile money services
Global standard setters
National level
Commercial level
Direct and indirect GSMA
input
Positive examples &
dialogue
Case Study