A health microinsurance/savings scheme in Pakistan Project summary: Develop and launch commercially a microinsurance/savings scheme targeted to low-income users on top of Telenor Pakistan’s easypaisa platform Learnings sought Is there demand for health insurance among poor consumers? To what extent can/should health insurance and savings be combined? Will customers be able to grasp the value proposition of an instrument that fuses these services? Status
More than 1 million bill payments and P2P transfers have been processed since easypaisa’s launch in February
Telenor Pakistan is undertaking consumer research to understand demand for insurance and savings products
G2P payments in Kenya Project summary: Use the M-PESA platform to make social transfer payments to low-income households in Nairobi slums Learnings sought As a way of making social (G2P) payments, is the mobile channel cheaper for governments, and more secure and more convenient for recipients, than existing mechanisms? Can operators enable these transactions profitably? Status
Safaricom have facilitated disbursements to 5,000 households to date (against a total of 15,000)
Safaricom are bidding for a tender to scale the program to reach 100,000+ households
Advanced mobile financial services in West Africa Project summary: Undertake market research to assess the demand for advanced financial services management on mobile phone, and pilot test such a product on the Orange Money platform Learnings sought
What financial services (formal or informal) do people use today?
How widely available is traditional microfinance?
What is the demand for advanced financial services management on mobile phone?
Orange has completed qualitative and quantitative research studies in Cote d’Ivoire, Mali, and Senegal and is in the process of analysing them
Creating a cashless ecosystem at the base of the pyramid in India Project summary: In collaboration with mChek (a technology vendor), a bank, and an MFI, Tata is pilot testing a BoP-focused mobile money platform in ten villages outside Bangalore Learnings sought Is targeting the sources of funds (employers, etc.) an effective way to drive adoption of mobile money? Will customers embrace a flat-fee pricing model? RBI mandates the participation of numerous entities in the mobile money value chain; is it possible to meet the breakeven requirements of all of them? Status
Contracts among the various parties have been signed and an on-the-ground implementation team is being assembled
Extending a successful bill-payments platform to low-income users Project summary: True currently offers a successful (6 million customers) mobile money service primarily for bill payment by middle- and upper-income segments; now, True is targeting lower-income users in rural areas Learnings sought Given the higher cost of customer and agent acquisition, how can operators serve customers in rural areas profitably? Can regional administrators be helpful partners in mobile money distribution? In markets where mobile interfaces cannot be presented in a local language, are specialized POS devises (with SIM cards embedded) a solution? Status
True are working with regional administrative units to begin establishing agents in rural areas
Experimenting with innovative distribution channels in Africa Project summary: Experiment with a new distribution channel for a new mobile money platform in Africa Learnings sought What are the alternatives to the typical retail agent distribution strategy for mobile money? Status
Tigo is in the process of securing regulatory approval in market
Tigo is making preparations for pilot testing the service
The first operator-branded and distributed mobile money platform in Cambodia Project summary: CamGSM, which operates the Cellcard network, is launching a new mobile money platform in Cambodia Learnings sought Structurally, which position is stronger: an operator with a dominant position in the mobile market offering mobile money, or an independent (or bank-owned) platform that allows for cross-network transactions among customers of other operators? Status
CamGSM is planning a pilot test of the service in early July
Rolling out mobilemoney in the Pacific Project summary: Digicel is pilot testing a new mobile money platform in Fiji, with plans to roll it out across the Digicel group if successful Learnings sought Is it possible to break even in mobile money in very small markets? Is one route to breakeven sharing one platform among multiple subsidiaries (each in small, isolated markets) of an operator group? Status
Digicel have successfully piloted the service and are in preparations for a full commercial launch
Afghanistan Bangladesh Pakistan West Africa Philippines Kenya Cambodia India Cameroon Thailand Fiji Sri Lanka Uganda Tanzania Brazil Indonesia In total, 18 operators in 17 markets are now part of the MMU Fund portfolio
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