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MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
MMU: Results from the 2012 Global Mobile Money Adoption Survey
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MMU: Results from the 2012 Global Mobile Money Adoption Survey

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  • 1. State of the Industry – Results from the 2012 Global Mobile Money Adoption Survey Full report available here Claire Pénicaud – cpenicaud@gsma.com February 2013Restricted - Confidential Information © GSMA 2013
  • 2. 2012 Global Mobile Money Adoption Survey FindingsTracking the progress of the industry MMU Deployment Tracker MMU Global Mobile Money Adoption SurveyRestricted - Confidential Information © GSMA 2013
  • 3. 2012 Global Mobile Money Adoption Survey Findings78 participants from 49 countriesParticipants include and many more…Restricted - Confidential Information © GSMA 2013
  • 4. 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?
  • 5. Community Power for Mobile 1. How is mobile money spreading globally?
  • 6. 2012 Global Mobile Money Adoption Survey FindingsMobile Money is continuing to expand rapidly around the world 150 live services in 72 countries 41 new launches in 2012Restricted - Confidential Information © GSMA 2013
  • 7. 2012 Global Mobile Money Adoption Survey FindingsMobile Money is becoming increasingly competitive 40 markets with at least 2 mobile money services Two or more mobile money services One mobile money service Planned mobile money servicesRestricted - Confidential Information © GSMA 2013
  • 8. Community Power for Mobile 2. How many people are using mobile money? Restricted - Confidential Information © GSMA 2011
  • 9. 2012 Global Mobile Money Adoption Survey FindingsThere are around 30 million active mobile money accounts 6 services have more than 1m active mobile money accountsRestricted - Confidential Information © GSMA 2013
  • 10. 2012 Global Mobile Money Adoption Survey FindingsThere are 82 million registered mobile money accounts Eastern Africa: 48.5m registered accounts 9.7m active accounts East Asia and Pacific: 4.3m registered accounts 1.8m active accounts Western Africa: 7.8m registered accounts 720,000 active accounts South Asia: 13.3m registered accounts 3.8m active accounts In Sub-Saharan Africa, there are twice as many mobile money users as Facebook users.Restricted - Confidential Information © GSMA 2013
  • 11. 2012 Global Mobile Money Adoption Survey FindingsWhat does it mean for financial inclusion? There are more mobile money accounts than bank accounts in 4 countries: Kenya, Madagascar, Uganda, TanzaniaRestricted - Confidential Information © GSMA 2013
  • 12. Community Power for Mobile 3. How are customers using mobile money?
  • 13. 2012 Global Mobile Money Adoption Survey Findings In June 2012: 224.2m … totalling mobile money transactions… $4.6bn Transaction volumes are comparable to PayPal (which processed approx. 196.3m transactions per month during Q3 2012)Restricted - Confidential Information © GSMA 2013
  • 14. 2012 Global Mobile Money Adoption Survey FindingsMost mobile money transactions are airtime top-ups, but P2Ptransfers represent most of the value transactedGlobal product mix by volume Global product mix by value(June 2012) (June 2012) Restricted - Confidential Information © GSMA 2013
  • 15. 2012 Global Mobile Money Adoption Survey FindingsWhat does it mean for financial inclusion? 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.Restricted - Confidential Information © GSMA 2013
  • 16. Community Power for Mobile 4. How is the distribution of mobile money evolving? Restricted - Confidential Information © GSMA 2011
  • 17. 2012 Global Mobile Money Adoption Survey FindingsThere are 520,000 registered mobile money agent outlets +82.5% annualized growth rate There are already as many mobile money outlets as there are Western Union points of sale globally.Restricted - Confidential Information © GSMA 2013
  • 18. 2012 Global Mobile Money Adoption Survey FindingsWhat does it mean for financial inclusion? There are more mobile money agent outlets than bank branches in 28 countries.Restricted - Confidential Information © GSMA 2013
  • 19. Community Power for Mobile 5. How do the performances of mobile money deployments compare? Restricted - Confidential Information © GSMA 2011
  • 20. 2012 Global Mobile Money Adoption Survey Findings2011: The mobile money industry is a two-tier landscapeRestricted - Confidential Information © GSMA 2013
  • 21. 2012 Global Mobile Money Adoption Survey Findings2012: The mobile money industry is a two-tier landscape butthere are more sprinters in 2012 than in 2011Restricted - Confidential Information © GSMA 2013
  • 22. 2012 Global Mobile Money Adoption Survey FindingsSprinters 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.Restricted - Confidential Information © GSMA 2013
  • 23. 2012 sprinters have operational best practice in common Investment Org Structure • OpEx business • Likely to report to • Mobile money CEO, separate contributing btw business unit 1 – 5% revenues • Heavy growth in for most , >10% FTE for 4 sprinters Distribution Marketing • Multiple ways to • ATL for access liquidity awareness, BTL • Active agent to drive adoption management • Prioritised 1-2 products at launchRestricted - Confidential Information © GSMA 2013

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