2018全球移动支付行业现状（英文版）_40页_3mb

2018 Mobile Money Industry Report Summary

Core Content

The GSMA's Mobile Money programme focuses on accelerating the development of the mobile money ecosystem for the underserved. The 2018 report highlights the continued growth and transformation of the mobile money industry, emphasizing its role in financial inclusion, technological innovation, and regulatory evolution.

Main Points

• Industry Overview
  The GSMA represents over 750 mobile operators and 350 companies in the broader mobile ecosystem, including fintechs, tech giants, and internet companies. It organizes major events such as MWC and Mobile 360 conferences to promote the industry's development.

• Growth Statistics

  • Over 866 million registered mobile money accounts across 90 countries.
  • The industry processed $1.3 billion in transactions daily in 2018.
  • 143 million new registered customers were added in 2018, representing a 20% year-on-year increase.
  • 34.5% of the world’s registered accounts were active in 2018, up from 33.9% in 2017.
  • Digital transactions grew at more than twice the rate of cash-in/cash-out transactions, driven by bill payments and bulk disbursements.

• Regional Growth

  • Asia saw the most significant growth in new accounts, with 90 million added in 2018.
  • East Asia and Pacific had the highest year-on-year account growth at 38%.
  • Latin America and the Caribbean led in activity rates, with 48.5% of adults using mobile money.
  • Africa had 36.8% activity rate, with 17.5 million new active accounts in 2018.
  • Nigeria, Ethiopia, and Egypt are identified as "sleeping giants" with the potential to unlock over 110 million new accounts in the next five years.

• Innovation and Technology

  • Mobile money providers are adopting a "payments as a platform" approach, offering a range of third-party services such as credit, e-commerce, and insurance.
  • GAIT (Gender Analysis and Identification Toolkit) was launched to help operators identify and target female customers using machine learning.
  • Interoperability remains a strategic priority, enabling A2A (account-to-account) and mobile money-to-bank transactions, and facilitating P2P (person-to-person) and bulk disbursements.

• Regulatory Developments

  • Five main regulatory themes dominated the 2018 landscape: taxation, KYC, cross-border remittances, national financial inclusion strategies, and data protection.
  • Regulatory reforms in Nigeria, Egypt, and Ethiopia are expected to drive financial inclusion and mobile money adoption.
  • The GSMA Mobile Money Certification was launched in April 2018, with nine providers across three continents achieving certification.

• Financial Inclusion Impact

  • Mobile money is a key enabler for financial inclusion, particularly for women, rural populations, and displaced persons.
  • 31 emerging markets saw a significant increase in financial inclusion rates, attributed to the growth in mobile money use.
  • Women are still 33% less likely to use mobile money than men, and 10% less likely to own a mobile phone.

• Challenges and Opportunities

  • Regulatory complexity is increasing, requiring more nuanced frameworks and collaboration between providers and regulators.
  • Payments banks in India are still underdeveloped due to restrictive regulations and low consumer trust.
  • The GSMA is working to support the digitization of agricultural value chains, with over 50% of providers planning to launch rural-focused products.

• Future Directions

  • Interoperability is critical to expanding the mobile money ecosystem and promoting financial inclusion.
  • The Mowali platform, launched by MTN Group and Orange Group, aims to provide open, interoperable payment solutions across Africa.
  • The GSMA Mobile Money Certification and GAIT are key tools in ensuring security, transparency, and gender inclusivity in the mobile money industry.

Key Information

• The GSMA supports the mobile money industry through events, certifications, and innovation tools.
• Mobile money is expanding beyond Sub-Saharan Africa, with notable growth in Asia and Latin America.
• Digital transactions are growing faster than cash transactions, indicating a shift towards platform-based services.
• Interoperability is essential for financial inclusion and market expansion, with Mowali serving as a key innovation.
• Gender disparities persist, but GAIT offers a data-driven solution to address them.
• Financial inclusion remains a major goal, with 1.7 billion people globally still excluded from formal financial services.

Conclusion

The 2018 State of the Industry Report underscores the continued growth and evolution of the mobile money industry. With increased adoption, innovation in services, and strategic focus on interoperability, the industry is well-positioned to expand financial inclusion and transform the way people access financial services. The report also highlights the importance of regulatory reform and gender inclusivity in achieving a more equitable financial ecosystem.