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The MMU programme is funded by a grant from the Bill & Foundation Restricted - Confidential Information © GSMA 2009 June 2011 Singapore Seema Desai MMU Director Mobile Money for the Unbanked Programme Working Group – 27 th June 2011, Singapore

Introduction

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Page 1: Introduction

The MMU programme is funded by a grant from the Bill & Melinda Gates Foundation

Restricted - Confidential Information

© GSMA 2009 June 2011 Singapore

Seema DesaiMMU Director

Mobile Money for the Unbanked ProgrammeWorking Group – 27th June 2011, Singapore

Page 2: Introduction

2

Restricted - Confidential Information

© GSMA 2011June 2011 Singapore

MMS 2011 - Singapore

Monday 27th JuneMMU Working Group

Tuesday 28th JuneMobile Money Summit Plenary

Wednesday 29th JuneMobile Money Summit Plenary – MMU stream

Thursday 30th JuneMMU Leadership Forum

Page 3: Introduction

3

Restricted - Confidential Information

© GSMA 2011June 2011 Singapore

June 2011: Over 100 live deployments in MMU markets

MMU Phase I launch

Page 4: Introduction

4

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© GSMA 2011June 2011 Singapore

Three assets position MNOs to offer mobile money

Knowledge of retail distribution

Trusted brand and a relationship with the customer

Secure access to the handset (SIM toolkit + USSD)

Page 5: Introduction

5

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© GSMA 2011June 2011 Singapore

MMU best practices – toolkits, handbooks, case studies

Handbook: How to build, incentivize and manage agent networks Handbook: How to drive customer usage of mobile money Deep-dive on profitability: “Is there really any money in mobile money?” Pricing and commissions webinar How to create successful bank-MNO relationships Agent networks training videos Case studies

– SMART Money and G-Cash– True Money– Zain Zap– Tigo Paraguay– Celpay Zambia

Page 6: Introduction

6

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© GSMA 2011June 2011 Singapore

Regulatory change is still needed in many markets to create enabling environments

Africa Latin America

Asia

Country A

Country B

Country C

Country D

Country E

Country F

Country G

Country H

Country I

Country J

Country K

Country L

Country M

Country A

Country B

Country C

Country D

Country E

Country F

Country G

Country H

Country I

Country J

Country K

Country L

Country A

Country B

Country C

Country D

Country E

Country F

Country G

Country H

Assessment of the enabling environment

Regulatory environment

Room forMNO

involvement

Potential for promoting inclusion

Degree of reform

required

Assessment of the enabling environment

Regulatory environment

Room forMNO

involvement

Potential for promoting inclusion

Degree of reform

required

Page 7: Introduction

7

Restricted - Confidential Information

© GSMA 2011June 2011 Singapore

This business only works at scale; and to get there requires upfront investment

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15-$4,000,000.0

-$3,500,000.0

-$3,000,000.0

-$2,500,000.0

-$2,000,000.0

-$1,500,000.0

-$1,000,000.0

-$500,000.0

$0.0

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000

Cumulative net cash flow and active customer base, MTN MobileMoney, Uganda

Months after launch

USD

(mm

)

Activ

e cu

stom

ers

Page 8: Introduction

8

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© GSMA 2011June 2011 Singapore

Summary

Learn from existing best practices – embed them well, and innovate where necessary

Invest appropriately – mobile money requires high upfront capital investment to succeed

Encourage positive regulatory change – work with regulators to create an environment in which mobile money services can reach low income customers in a sustainable way


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