2017全球移动支付行业现状报告（英文版）_33页-5mb

2017 State of the Industry Report on Mobile Money Summary

Core Content

The 2017 State of the Industry Report on Mobile Money, produced by the GSMA's Mobile Money programme, highlights the continued growth and transformation of the mobile money sector. The report outlines key trends, challenges, and opportunities in the industry, emphasizing its role in financial inclusion, economic development, and humanitarian efforts.

Main Trends and Key Insights

Global Growth and Impact

• Mobile money is now processing over $1 billion per day globally.
• The industry reported direct revenues of over $2.4 billion in 2017, with a 34% year-on-year growth.
• The number of registered mobile money accounts worldwide reached 690 million, a 25% increase from 2016.
• 276 deployments were active in 90 countries, with South Asia becoming the fastest-growing region, seeing a 47% year-on-year increase in accounts.

User Activity and Usage Patterns

• The average activity rate for mobile money users reached 36% in December 2017, with 22% of providers achieving over 50% activity rates.
• A typical mobile money customer moved $188 per month, with the majority of transactions involving cash-in/cash-out and P2P transfers.
• Bulk disbursements, bill payments, and airtime top-ups are increasingly common usage cases.
• Savings, pensions, and investment products are becoming more prevalent, with 22% of providers offering such services and 39% planning to do so within the next year.

Regional Highlights

• Sub-Saharan Africa remains the epicenter of mobile money growth, with 66% of the combined adult population in Kenya, Rwanda, Tanzania, and Uganda using mobile money.
• Western and Middle Africa showed the fastest growth in the region, driven by increased registrations in countries like Ghana, Côte d'Ivoire, and Cameroon.
• International remittances via mobile money are 50% cheaper than traditional methods, with the average cost for sending $200 dropping to 1.7% in 2017.

Humanitarian Applications

• Mobile money is being used for digital humanitarian cash transfers, offering a secure, fast, and transparent alternative to cash.
• In Uganda’s Bidi Bidi refugee camp, mobile money is enabling aid distribution, though challenges such as regulatory compliance, agent liquidity, and device ownership persist.

Operator-NGO Partnerships

• Several mobile network operators (MNOs) and NGOs have partnered to deliver aid via mobile money, including:
  • Airtel & Mercy Corps: 4,750 beneficiaries received $10 monthly transfers between March and August 2017.
  • MTN & International Rescue Committee: 1,225 beneficiaries received $11 monthly transfers between May and July 2017.

Enabling Factors for Growth

• Increasing customer activity rates are critical for profitability and scalability.
• Shifting from a cash economy to a digital ecosystem is a major trend, with more transactions being conducted digitally.
• Reducing the net cost of the agent network is essential, as agent costs can account for more than 50% of total provider revenues.
• Supportive policy and regulation are becoming more important, especially as the industry expands into new markets and services.

Key Challenges

• Gender gap in access remains a challenge, with women making up only 36% of registered mobile money users.
• Data accuracy is difficult due to gendered cultural norms, identity ownership issues, and shared family accounts.
• Rural penetration is still a key area for expansion, with 48% of deployments prioritizing rural outreach.

Methodology and Levers to Scale

The report identifies four key levers to scale the mobile money industry:

1. Increasing customer activity rates – Providers with high activity rates are more profitable and scalable.
2. Shifting from a cash economy to a digital ecosystem – More digital transactions are driving growth and efficiency.
3. Decreasing the net cost of the agent network – Reducing agent costs through digital integration and better liquidity management.
4. Supportive policy and regulation – Enabling regulations are crucial for growth and innovation.

Conclusion

The mobile money industry in 2017 demonstrated significant progress in financial inclusion, digital transformation, and humanitarian applications. As the sector continues to evolve, collaboration between operators and fintechs, improved regulation, and targeted outreach to underserved groups will be key to its future success. The report emphasizes the importance of sustainable revenue models, digital innovation, and inclusive policies in shaping the industry’s trajectory.

Supporting Organizations

The GSMA Mobile Money programme is supported by:

• The Bill & Melinda Gates Foundation
• The Mastercard Foundation
• Omidyar Network

Data Sources

The findings are based on the GSMA Annual Global Adoption Survey, which provides quantitative insights into the performance of mobile money services worldwide.