Financial Inclusion in Action

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Liquidity – Solving Agents’ Perennial Problem

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Based on insightful inputs from Maurice Oyare (PesaPoint), Joseck Mudiri (IFC), Edwin Otieno (Software Group), George Muga (Airtel-Africa), Edwin Odira (Telkom), Paul Langlois-Meurinne (Optimetrics), Nic Wasunna (GSMA) and Wilfred Ndirangu (Eclectics). The Helix Institute’s Agent Network Accelerator (ANA) surveys show that agents across the globe cite four key challenges to effective liquidity management. Almost all… Continue reading

Demystifying the Role of Master Agents

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Agents are deemed the lynchpin of any successful digital finance (mobile money or agent banking) roll-out. A plethora of literature has been written about the role they play in building successful and sustainable digital finance businesses.  Less attention has been paid to the critical work of Master Agents who constitute an important, if not crucial, element in the agent-based… Continue reading

Mobile Money Merchant Payments – What does the Future Hold?

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In October 2012, GSMA MMU asked the burning question; ‘Can mobile money work for merchant payments?’ Across the developed world cards are being swiped, dipped or waved to pay for everyday purchases, but the question remains if mobile money can, or will, have the same levels of usage in the developing world. Currently mobile money providers have… Continue reading

Competition in Tanzania – Fact or Fable?

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Tanzania is often cited as a model competitive market in digital financial services (DFS) with the three major providers healthily competing against one another. However, the story is a bit more complicated than that, and to really understand market dynamics in Tanzania it helps to examine competition from a few angles, and on a more… Continue reading

Agent Network Evolution: From License to Live

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When the champagne bottle is popped for the successful launch of a digital financial service (mobile money/ agent banking) agent network, nobody – hopefully, with the exception of the agent network manager (ANM) – seems to appreciate the efforts behind ensuring the product launch is premised on an immediate start in transactions.  This is paramount… Continue reading

A Government to Person (G2P) Payment Delivery Agent in India: At Heart and In Practice

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This blog highlights the tasks of a CSP and the stages involved to make G2P payment delivery to the last mile – right from their (CSP) recruitment to final payment. It also suggests a few improvements recommended by CSPs. Aalia begum and Aasia begum have been working as Customer Service Providers (CSPs) for the past… Continue reading