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1、The State of theIndustry Reporton Mobile MoneyGLOBAL DEEP DIVE2024THE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024Mobile money in 20231.75 bn1.75 bnRegistered accounts+$600 bn+$600 bnMobile moneys estimate contribution to GDP by 2022310310Live services inYEAR-ON-YEARGROWTH RATE

2、+12%435 m435 mMonthly activeaccountsYEAR-ON-YEARGROWTH RATE+9%$1.40$1.40 tn tnValue oftransactionsYEAR-ON-YEARGROWTH RATE+14%99 countries$3.8 bn$3.8 bnTransacted daily8.3 m8.3 mActive agentsYEAR-ON-YEARGROWTH RATE+14%THE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 20241.75 bn1.75 b

3、nTotalregistered accounts globally835 mSub-SaharanAfrica374 mEast Asia andPacificSouth Asia71 mMiddle East andNorth Africa48 mLatin America and the Caribbean26 mEurope andCentral AsiaAlmost three-quarters of new mobile money accounts originated from Sub-Saharan Africa401 m184 m184 mNewregistered acc

4、ounts in 20231%1%6%6%21%21%72%72%Sub-Saharan AfricaSouth AsiaEast Asia and PacificOthers172 mSub-Saharan Africaand South Asia contributednew registeredaccountsTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024West-Africa continues to drive the growth in monthly active mobile mone

5、y users435 m435 mAccounts active on a monthly basisYEAR-ON-YEARGROWTH RATE+9+9%35%35%21%21%18%18%26%26%Western AfricaEast AfricaSouthern AsiaOthers226 m226 m20232021138 m138 m201620182017202020192022249 m249 m181 m181 m305 m305 m351 m351 m397 m397 m435 m435 m37 m37 mnew accounts active on a monthly

6、basis in 20231/3Overof new accounts active on a monthly basis came from West AfricaGrowth in accounts active on a monthly basisTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 202419 m19 m42%42%22%22%19%19%17%17%and leads the expansion of agent networks tooRegistered agentsYEAR-ON-Y

7、EARGROWTH RATE+22+22%45 45%of these are active on a monthly basis8.3 m8.3 mActive agentsYEAR-ON-YEARGROWTH RATE+14+14%New mobile money services launched in West-Africa in 2022 continue to support agent growth3 m3 mNew registered agents in 2023West AfricaEast AfricaSouthernAsiaOthersTHE STATE OF THE

8、INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024More money flows through the average mobile money account each yearYEAR-ON-YEARGROWTH RATE+14+14%$1.40$1.40 tn tnTRANSACTEDIN 20232023201920202021$1.7 bn$1.7 bn2022$2.2 bn$2.2 bn$2.8 bn$2.8 bn$3.4 bn$3.4 bn$3.8 bn$3.8 bn$213$213$217$217$241$241$25

9、8$258$268$268MOBILE MONEY VALUE PROCESSED PER DAYThe value of daily mobile money transactions has more than doubledin the past five yearsThe average value transacted per active 30-day account per monthhas grown consistently every year since 2019THE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL

10、 DEEP DIVE 2024Cash-in and cash-outDigitalDIGITAL SHARE OF MOBILE MONEY TRANSACTION VALUESDigital transactions outweigh cash-based transactions2/3Almostof mobile money transactions are digital55%55%57%57%59%59%61%61%60%60%45%45%43%43%41%41%39%39%40%40%20232019202020212022THE STATE OF THE INDUSTRY RE

11、PORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024Global evolution:The ins and outs of mobile money INCOMING TRANSACTIONSCIRCULATING VALUEOUTGOING TRANSACTIONSMore money now enters the mobile money ecosystem digitallyMerchant payments share of circulating value has doubled since 2019Less money now leaves th

12、emobile money ecosystem as cashBank-to-mobileDec-19Dec-23International remittances(IN)Cash-in70%70%$20bn$20bn11%11%60%60%19%19%16%16%17%17%3%3%$45bn$45bnBulk disbursements$18bn$18bn$32bn$32bn90%90%80%80%10%10%20%20%P2P on-netMerchant payments$18bn$18bn$44bn$44bn10%10%63%63%22%22%49%49%14%14%15%15%7%

13、7%10%10%3%3%Mobile-to-bankCash outBill paymentsP2P off-netAirtimeInternational remittances(IN)2%2%4%4%1%1%4%4%THE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024Expanding third-party partnerships underpin mobile money transaction growthON AVERAGE,PROVIDERS ARE INTEGRATED WITH19619

14、6Billers61 61Utilitycompaniesof survey participants published mobile money APIs61 61%Organisations for bulk disbursements247247Active merchants184,000184,000THE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 20244x relative to 2022+12+12%+46+46%THE STATE OF THE INDUSTRY REPORT ON MOBI

15、LE MONEY GLOBAL DEEP DIVE 2024Bulk disbursements are a convenient channel for employers to pay salariesBULK DISBURSEMENTSYEAR-ON-YEARVOLUME GROWTH10 10%of respondents offer bulk disbursements 89 89%people received their salary through bulk payments in Jun 2023$7 bn$7 bnprocessed per month+5+5%since

16、2020+39+39%sinceSeptember 20221.2 m1.2 mTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024MerchantPayments$6.1 bn$6.1 bnProcessed per monthThe volume of cashless purchases grew by a quarterYEAR-ON-YEARVOLUME GROWTH24 24%average number of unique customer accounts per deployment th

17、at performed merchant payments in June 2023517 k517 kTOP MECHANISMS ACCEPTED FOR PROXIMITY PAYMENTSApp access surpassed USSD for the first timeTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024AppUSSDQR CodeWebSTKNFC%of survey participants50 50%49 49%34 34%30 30%4 4%3 3%THE STATE

18、 OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024Mobile money international remittances are now offered by a third more survey respondents$24 bn$24 bnprocessed per monthMM international remittancesFastest growing mobile money use case by value in 202333 33%year-on-year value growth36 36%

19、year-on-year volume growth20192020202120222023$8 bn$8 bn$12 bn$12 bn$17 bn$17 bn$22 bn$22 bn$29 bn$29 bnMOBILE MONEY INTERNATIONAL REMITTANCE VALUE$130$130$133$133$139$139$152$152$140$140Average transaction valuerespondents offer international remittances77 7735 35%UPTHE STATE OF THE INDUSTRY REPORT

20、 ON MOBILE MONEY GLOBAL DEEP DIVE 2024$18 bn$18 bnprocessed per monthaverage number of banks connected to a mobile money platform27 2745 45%More banks connect to mobile money platforms driving transfers between the two platformsBank-to-mobile and mobile-to-bankTOTAL TRANSACTION VALUES FOR BANK-TO-MO

21、BILE AND MOBILE-TO-BANK$28 bn$28 bn$23 bn$23 bn2019$39 bn$39 bn$44 bn$44 bn2020$57 bn$57 bn$65 bn$65 bn2021$84 bn$84 bn$99 bn$99 bn2022$97 bn$97 bn$113 bn$113 bn2023B2MM2B$52 bn$52 bn$82 bn$82 bn$121 bn$121 bn$183 bn$183 bn$210 bn$210 bnUPTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP

22、DIVE 2024Mobile money remains a key avenue for users to save,borrow and access financial protectionof respondents offer asavingsproduct44 44%average number of unique customers transferring funds to savings accounts in June 2023659 k659 kof respondents offer acreditproduct46 46%Average number of cred

23、it products offered by respondents3 3partner with a bank or another financial institution 36 36%partner with a fintech25 25%partner with both types of organisations23 23%of respondents offer ainsuranceproduct23 23%growth in the cumulative number of insurance policies issued between Sep 2022 and Jun

24、202310 10%health/hospital insurance18 18%accident/disability insurance11 11%agri/crop/weather insurance1 1%Life/funeral insurance22 22%47 47%UP27 27%Growth since Sep 2022THE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024Current regulatory challengesRegulatory environment areas th

25、at have become more or less enabling for mobile money in respondents countries(%of respondents)ConsumerFRAUDCan erode customer trust,impacting mobile money use and financial inclusion for vulnerable usersMost impactful fraud types for customers1.fraud 25 25%of respondents2.SIM swap 16 16%of responde

26、nts3.ID theft 7 7%of respondents4.Agent fraud6 6%of respondentsOver1/2of survey respondents report that licensing and consumer protection regulations have become more enabling for mobile moneyOver 1/4of survey respondents report that transaction limit regulations have become less enabling for mobile

27、 moneyLicensingConsumerprotectionKYCTransactionlimitsAgentnetworkInvestmentenvironmentDataSovereigntyOther(s)51%53%46%28%43%32%34%14%19%16%14%18%23%24%8%23%4%5%15%28%8%11%3%8%More enablingNeutralLess enablingTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024The mobile money gende

28、r gap persists despite gains in mobile-led financial inclusionMobile moneyawarenessWomen remain less likely than men to be aware of a mobile money service in all surveyed countries except KenyaandIndonesiaAwareness improved for both women and men in Bangladesh,IndiaandNigeriaThe gender gap is especi

29、ally wide in Pakistan 71%,India 56%,Bangladesh 56%andNigeria 46%Womens use of mobile money in the last 30 days is almost identical to mens in India,Indonesia,Kenya,NigeriaandSenegalHowever,a 30-day activity gender gap remains in Bangladeshand in PakistanMobile moneyaccount ownershipMobile moneyusage

30、Source:2023 GSMA Consumer SurveyTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP DIVE 2024A closer look at how ARPU relates to key mobile money indicatorsNote:ARPU Average mobile money revenue per user.All data points refer to June 2023Averages are calculated across mobile money deployme

31、nts who participated in the 2023 Global Adoption Survey 1/2 of survey respondents generate an ARPU between$1 and$21/4 generate over$2 and 1/4 generate less than 1$Deployments generating less than$1 ARPU tend to be youngerServices generating more than$1 ARPU are over 10 years oldSmaller deployments(1

32、m active accounts)tend to generate higher ARPU(above$3)For deployments with over 1m active accounts,more active users are associated with a higher ARPU(up to$3)ARPU above$1 is achieved by services with activity rates above 20%26%26%48%48%14%14%7%7%4%4%Up to$1$1 to$2$2 to$3$3 to$4$4 andaboveARPU8.1 8

33、.1 11.4 11.4 11.9 11.9 10.6 10.6 10.3 10.3 2.1 m2.1 m3.6 m3.6 m0.7 m0.7 m0.3 m0.3 mAverage 30-day activity rate(%)23 2325 2544 4439 3914 145.3 m5.3 mAverage deployment age(years)Average number of active 30-day accounts%of survey respondentsTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEY GLOBAL DEEP

34、 DIVE 2024Look forward to exploring the State of the Mobile Money Industry at regional levelsThe state of the mobile money industry in West AfricaThe state of the mobile money industry in Sub-Saharan AfricaThe state of the mobile money industry in AsiaGLOBAL DEEPTHE STATE OF THE INDUSTRY REPORT ON MOBILE MONEYDownload the report here:GSMAMobileMoney(X)#SOTIRTHE MOBILE MONEY PROGRAMME IS SUPPORTED BY