With other revenue sources declining, most mobile operators in Africa have launched a mobile money service. Adapted to local regulations, different business models are used to address the unbanked opportunity. But regulations are changing and operators find they need to offer more sophisticated banking services, so a collaborative business model is emerging.

1. Africa: Mobile Financial Services
Business Models

2. With other revenue sources declining, most mobile operators in Africa have
launched a mobile money service. Adapted to local regulations, different
business models are used to address the unbanked opportunity. But regulations
are changing and operators find they need to offer more sophisticated banking
services, so a collaborative business model is emerging. Convergence between
banks and operators is already well under way in Africa. This report includes
case studies of Orange in Cote dIvoire, Safaricom in Kenya and MTN in Uganda.
Summary

3. The mobile financial services (MFS) market presents a huge opportunity in Africa.
Demand for MFS has gradually grown during recent years, and the services are
generating significant revenue for mobile network operators (MNOs). Safaricoms
revenue from M-Pesa has even exceeded that from SMS: in 2012 it reached
KSh16.87bn ($199m). Operators have been developing bank partnerships and
networks of distributors - agents - to address the MFS market. Different models
compete with each other: some of them are aimed at customer
acquisition, others at customer loyalty. Government regulation, however, is a
major issue confronting operators in this market.
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http://www.jsbmarketresearch.com/telecommunications/r-Africa-Mobile-
Financial-Services-Business-Models-Evolve-with-Regulations-101139
Introduction and Landscape :- Africa:
Mobile Financial Services Business Models

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