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M-Pesa a Transformational
Mobile Money Solution
India• April 2013
Kenya• March 2007
Tanzania• April 2008
Democratic Republic of Congo • November 2012
South Africa • August 2010
Fiji• June 2010
Qatar • November 2010
Mozambique• May 2013
Afghanistan • February 2008Egypt
• June 2013
Lesotho • July 2013
Confidentiality C2 | 8 April 2023
M-Pesa: 19.8m Customers Worldwide
M-Pesa highlights – September 2013
M-Pesa continues to growstrongly
19.8mActive customers
22%Year on Year customer growth
$1.25bn
Monthly P2P valuesM-Pesa agents
140k
Confidentiality C2 | 8 April 2023
More than technology
1. Distribution network
2. Trust in brand
3. Robust and scalable technology
4. Management buy-in
5. Proportionate regulation
Confidentiality C2 | 8 April 2023
5
Distribution is key for women
• Access/ Convenience/ Distance
• Education: Learning to do transactions
• 40% on non-users report lack of access to an agent prevents them from
using mobile money (Tanzania Mobile Money Tracker Study, March 2013, InterMedia)
6
Ambassador programme: Women focus
• 2,000 women only agents
• Earning: 50% of the value of the bundles purchased. M-PESA Tshs. 250 for the first
subscription if convert a customer to use.
• Performance: 500k total M-PESA conversions from July 2013 to Nov 2013
• Feedback: Increased income and confidence. Continuing to recruit.
7
• Building trust
• Security/privacy
• Marketing
• Future priorities: Drive use cases
for women
Other factors are critical too….
8
Focus: Tanzania
• 18.7% of total revenue comes from M-Pesa
• 19% of all airtime is purchased with M-Pesa
• $1 billion in total transactions per month
• 5.46m Active Customers
• 54.5% subscriber base penetration
• 55,000 agents
• Gender: 49% Male 42% Female (Rural below poverty 36% Male, 27% Female)Tanzania Mobile Money Tracker Study, March 2013, InterMedia
Insert Confidentiality level | 8 April 20239
Thank You