The MMU team has compiled a list of publications with the goal of providing a knowledge sharing platform for all members of the mobile money ecosystem including mobile operators, financial institutions, regulators, development institutions and academic researchers. You can browse all of the publications or links available by category or region.

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State of the Industry: Results from the 2011 Global Mobile Money Adoption Survey

Publish: May 9th, 2012 | By MMU

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 ...

Download: English

CGAP Landscape Study on International Remittances through Mobile Money

Publish: April 10th, 2012 | By CGAP

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

Kenya’s Mobile Revolution and the Promise of Mobile Savings

Publish: April 5th, 2012 | By The World Bank

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, ...

Download: English

Mobile money: Getting to scale in emerging markets

Publish: March 22nd, 2012 | By mckinsey

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, ...

Download: English

The case for interoperability: Assessing the value that the interconnection of mobile money services would create for customers and operators

Publish: February 23rd, 2012 | By MMU

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 ...

Region: Global Download: French| Spanish| English

Mobile Water Payment Innovations in Urban Africa

Publish: February 2nd, 2012 | By Oxford University

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 ...

Region: Africa Download: English

Branchless and Mobile Banking Solutions for the Poor: A Survey of the Literature

Publish: February 2nd, 2012 | By Ignacio Mas

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, ...

Region: Global Download: English

Leveraging Information and Communication Technology for the Base Of the Pyramid

Publish: January 24th, 2012 | By Hystra

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 ...

Region: Global Download: English

Water Delivery through Payment Platform – M-PESA Pushes the Rural Frontier

Publish: January 24th, 2012 | By Sherri Haas

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 in ...

Region: Africa Download: English

Microsave Briefing Note 116: Building Business Models for Mobile Money

Publish: January 19th, 2012 | By Microsave

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
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