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IFC Mobile Money Toolkit ©

IFC's Mobile Money Toolkit © is a combination of both the best publicly available information and original content and newly created materials. It includes documents available from CGAP, USAID, the World Bank, GSMA, and other organizations that are doing research in the realm of mobile money. Each part contains a number of documents or tools, some specifically designed for this toolkit, others collected from the public domain.

Mobile Money Toolkit Factsheet

IFC Mobile Money Toolkit ©

About the Mobile Money Toolkit

Table of Contents

PART 1. Getting Started

Introduction to Part 1: Getting Started

Tool 1.1. Mobile Money Macroinfluencers

Tool 1.2. 12 Steps to Mobile Money Deployment

Tool 1.3. Elements of Competitive Strategy

Tool 1.4. Competitor Information IQ Test

Tool 1.5. Top 10 Reasons for Distribution Channel Failure

PART 2. Regulatory Diagnostics

Introduction to Part 2: Regulatory Diagnostics

Tool 2.1. CGAP Analysis - Diagnostic Questionnaire

Tool 2.2. Relevant Laws and Directives

Tool 2.3. Diagnostic Meeting Checklist

Tool 2.4. Diagnostic Template

Tool 2.5. Diagnostic Report Example - Indonesia

PART 3. Market Strategy

Introduction to Part 3: Market Strategy

Tool 3.1 Market Research - Market Sizing Overview

Tool 3.2. Market Research - Conducting Surveys & Focus Groups

Tool 3.3. CGAP MNO Mobile Money Market Sizing

Tool 3.4. Market Research - Customer Segmentation

Tool 3.5. Mobile Money Product Adoption Life Cycle

Tool 3.6. GSMA Analysis - Marketing Mobile Money - Top Challenges

Tool 3.7. CGAP Report - Marketing Branchless Banking

Tool 3.8. IFC Report - Cash Movement in PNG

Tool 3.9. Mobile Banking Questionnaire – USERS

Tool 3.10. Mobile Banking Questionnaire – NON-USERS

Tool 3.11. Vendor Questionnaire

Tool 3.12. Alternative delivery channels and technology

Overview of Cote D'Ivoire: MFS Market Data 2013

Opportunities for DFS in the Cocoa Value Chain in Cote D'Ivoire: Insights from New Data

Part 4. Customers

Introduction to Part 4: Customers

Tool 4.1. Customer Value Proposition

Tool 4.2. Field Report - Exploring Trust

Tool 4.3. CGAP Report - Pricing Analysis

Tool 4.4. CGAP Analysis - Pricing Calculators

Tool 4.5. AFI Report - Consumer Protect Policy

Tool 4.6. CGAP Report - Regulatory Approaches to Protecting Funds

Tool 4.7. GSMA Analysis - Driving Customer Usage

Tool 4.8. GSMA Consumer Insights Toolkit

Tool 4.9. Who Are the Microfinance Clients? A case study on customer segmentation and product development

The Mobile Banking Customer That Isn't: Drivers of Financial Services Inactivity in CDI

PART 5. Distribution Models

Introduction to Part 5: Distribution Models

Tool 5.1. GSMA Presentation - Channel Deployment Strategy

Tool 5.2. Case Study – Kenya

Tool 5.3. Case Study – Tanzania

Tool 5.4. Case Study – Afghanistan

Tool 5.5. GSMA Report - Comparing M-PESA Kenya & Tanzania

Tool 5.6. Liquidity Management

Tool 5.7. EMIDA Diagram - Liquidity Management

Tool 5.8. GSMA Example - M-PESA Liquidity Management

Tool 5.9. CGAP Analysis - FINO & EKO Channel Management

Tool 5.10. Breaking Free of the Branch: Microfinance and Alternate Delivery Channels in Sub Saharan Africa

PART 6. Agents

Introduction to Part 6: Agents

Tool 6.1. Retail Agent Value Proposition

Tool 6.2. Master Agent Value Proposition

Tool 6.3. CGAP Analysis - Agent Economics M-PESA, Kenya

Tool 6.4. Ten Steps to Selecting Master Agents

Tool 6.5. Agent Selection Checklist

Tool 6.6. Agent Requirements Example - M-PESA

Tool 6.7. Master Agent Selection

Tool 6.8. Master Agent Responsibilities

Tool 6.9. Agent Scoring Tool

Tool 6.10. CGAP Tool - Agent Cash Flow Calculator

Tool 6.11. GSMA Report - Agent Commissions

PART 7. Managing Risks

Introduction to Part 7: Managing Risks

Tool 7.1. Risk Management in Mobile Money

Tool 7.2. Managing Mobile Money Risk

Tool 7.3. AML Risk: Guidance and Assessment

i) GSMA Methodology
ii) FATF Guidance on AML/CFT and Financial Inclusion
iii) FATF Guidance on a risk-based approach for new payment products and services
iv) FATF General Overview of Proportionate Risk-Based Customer Due Diligence (CDD)

Tool 7.4. USAID Mobile Financial Services Risk Matrix

Tool 7.5. Fraud in Mobile Financial Services

Tool 7.6. Digital Financial Services and Risk Management

Contact Information
Margarete Biallas
Phone: +1(202)458-1854
Email: mbiallas@ifc.org

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