GSMA-2018年全球移动支付行业报告（英文）-2019.5-40页_3mb

Mobile Money Industry Summary (2018)

Core Content

The GSMA's 2018 Mobile Money report highlights the continued growth and transformation of the mobile money industry, emphasizing its role in financial inclusion, innovation, and regulatory evolution. The report outlines the progress made by mobile money providers in expanding access to underserved populations, including women, rural communities, and displaced persons, while also addressing the challenges and opportunities that lie ahead.

Main Points

• Industry Overview
  The mobile money industry processes over $1.3 billion per day in 2018, with a record 143 million new registered customers. The total number of registered mobile money accounts has reached 866 million, marking a 20% year-on-year increase.

  • 54% of the combined adult population in Ghana, Côte d'Ivoire, Benin, and Senegal use mobile money on an active basis.
  • Activity rates remain stable globally at 34.5%, with Latin America and the Caribbean leading at 48.5%.
  • Digital transaction values grew at more than twice the rate of cash-in/cash-out transactions, driven by bill payments and bulk disbursements.

• Global Reach and Growth

  • Mobile money is playing a critical role in financial inclusion, especially in emerging markets.
  • 31 emerging markets saw an increase of more than five percentage points in account ownership between 2014 and 2017, largely due to the growth of active mobile money use.
  • The report notes that the mobile money gender gap is narrowing, with 17 Sub-Saharan African countries and one Latin American country (Bolivia) showing progress in closing the gap.
  • Women in low- and middle-income countries are still 33% less likely than men to use mobile money and 10% less likely to own a mobile phone.

• Innovation and Technology

  • The GSMA Mobile Money team, supported by the Bill & Melinda Gates Foundation, The Mastercard Foundation, and Omidyar Network, continues to drive innovation in the industry.
  • The Gender Analysis and Identification Toolkit (GAIT), a machine learning algorithm, was introduced to help operators identify and serve female customers more effectively.
  • In Bangladesh, GAIT achieved 84.5% accuracy in predicting the gender of mobile subscribers based on usage patterns.

• Strategic Trends
  Four key trends are shaping the mobile money industry in 2018:

  1. Enhanced Customer Experience: With increased smartphone adoption, providers are offering more user-friendly apps and expanding their services to include a broader range of financial products.
  2. Diversification of Financial Services: Fintechs and tech giants are expanding the financial ecosystem, offering services such as credit, e-commerce, and savings.
  3. Increasingly Complex Regulation: Five main themes dominated the regulatory landscape in 2018: taxation, KYC requirements, cross-border remittances, national financial inclusion strategies, and data protection.
  4. Expansion of the Value Proposition: Providers are moving towards a 'payments as a platform' model, offering a wide array of third-party services to meet diverse customer needs.

• Interoperability

  • Account-to-account (A2A) interoperability continues to expand, allowing users to transfer money between different mobile money providers and other financial institutions.
  • In 2018, the number of markets enabling person-to-person (P2P) transactions between mobile money deployments increased to 19.
  • Mobile money-to-bank account interoperability grew by 47% year on year, with providers connected to an average of 10 banks.
  • Mowali, a joint venture between MTN Group and Orange Group, was launched to facilitate interoperability across Africa, using the open-source Mojaloop platform.

• Regional Highlights

  • Asia: 90 million new accounts were opened, with East Asia and Pacific experiencing the highest year-on-year growth at 38%.
  • Africa: Despite high mobile money penetration in some countries, Nigeria, Ethiopia, and Egypt are identified as 'sleeping giants' with significant potential for growth and financial inclusion.
  • Latin America: Activity rates are rising, and the region is becoming a key player in the mobile money space.

• Future Outlook

  • The report anticipates that regulatory reforms in Nigeria, Egypt, and Ethiopia could lead to over 110 million new mobile money accounts in the next five years.
  • The expansion of mobile money services to rural areas and agricultural value chains is a priority, with many providers investing in digital solutions for these markets.
  • The industry is evolving into a multi-sided financial system, with a growing focus on interoperability and innovation to drive broader digitization and financial inclusion.

Key Information

• Global Impact: Mobile money continues to be a vital tool for financial inclusion, reaching over 1.7 billion people globally who lack access to formal financial services.
• Technology and Innovation: The introduction of GAIT and the expansion of digital services such as bill payments and bulk disbursements are key innovations in the industry.
• Regulatory Challenges: The complexity of regulations is increasing, requiring collaboration between providers and regulators to support growth and innovation.
• Strategic Partnerships: The GSMA Mobile Money Certification program has seen nine providers across three continents successfully certified.
• Interoperability Initiatives: Mowali aims to provide a pan-African interoperability solution, helping to reduce costs and increase access for lower-income users.
• Gender Inclusion: Efforts to close the gender gap in financial inclusion are ongoing, with evidence of progress in some regions.

Conclusion

The mobile money industry is at a pivotal stage, with continued growth, innovation, and regulatory evolution. The report underscores the importance of interoperability, enhanced customer experiences, and strategic diversification in driving the industry forward. With the support of key stakeholders, the mobile money ecosystem is expected to expand further, particularly in regions with untapped potential, and to play a critical role in achieving global financial inclusion goals.