Exploring the relationship between mobile money regulation and usage
This insight is open to all subscribers and registered users, or available by completing the form.
Working paper
During the past decade, mobile money has helped reduce the financial exclusion gap in low- and middle-income countries, with 290 live deployments in 95 countries and more than 1 billion registered accounts at the end of 2019. In light of the Covid-19 pandemic and in recognition of the potential of mobile money to enable widespread and remote financial service provision, several countries have adopted measures to support the use of these services. These policy measures include cuts in fees related to person-to-person (P2P) transactions; relaxation of balance and transaction limits; and easing of know-your-customer (KYC) requirements.
In this context, it is timely to consider what role regulation can play in terms of the adoption and usage of mobile money services. This paper provides new evidence on the relationship between mobile money regulation and usage. It combines data from the Mobile Money Regulatory Index, a comprehensive assessment of mobile money regulations, and the Global Findex Database 2017. The analysis covers almost 50,000 individuals across 46 countries and finds compelling evidence that an enabling regulatory framework is strongly associated with higher mobile money usage. The results also suggest that an enabling regulatory framework has a stronger association with mobile money usage among women compared to men, and among the poorest segments of a country’s population.
Report details
Exploring the relationship between mobile money regulation and usage
Download the report
Complete the form to get instant access to this content. For easier access in the future, you can register for a free account here.
By submitting this form, you agree that your email address and related activity on the platform will be processed for the purpose of generating and providing the requested report. Your data will be shared with GSMA Intelligence for this purpose. For more information, please see the GSMA Intelligence Privacy Policy.
Report details
Exploring the relationship between mobile money regulation and usage
Download the report
Complete the form to get instant access to this content. For easier access in the future, you can register for a free account here.
By submitting this form, you agree that your email address and related activity on the platform will be processed for the purpose of generating and providing the requested report. Your data will be shared with GSMA Intelligence for this purpose. For more information, please see the GSMA Intelligence Privacy Policy.
Related research
Global enterprise survey: understanding the next phase of digital transformation and the real B2B opportunities
Enterprises will spend 10% of their revenues on digital transformation through to 2032, which brings new B2B opportunities for technology suppliers, including operators. This report analyses the key findings and implications from a GSMA Intelligence survey, which surveyed 6,342 enterprises across 50 countries and 10 vertical sectors worldwide to gain insight into their digital transformation.
Navigating the digital transformation of enterprises and industries: Global Digital Transformation Survey Dashboard 2026
GSMA Intelligence surveyed 6,342 enterprises across 50 countries and 10 vertical sectors worldwide to gain insight into their digital transformation. This dashboard provides full survey data in a consistent and structured way – a valuable asset for technology suppliers looking to focus on specific vertical sectors, countries or customer size and for end users of digital transformation technologies, who can assess how they compare with their peers across multiple areas.
The cost of removing designated third-country vendors from EU telecoms networks
As digital infrastructure becomes increasingly central to key economic and social outcomes, policymakers are placing a greater emphasis on security and resilience. A key development in this context is the European Commission’s proposal to strengthen cybersecurity requirements through an updated regulatory framework – Cybersecurity Act 2 (known as CSA2). This includes provisions that require the removal of critical equipment supplied by designated high-risk vendors from telecoms infrastructure within a defined timeframe. GSMA Intelligence has conducted unique research to assess the cost of removing critical components from high-risk vendors from European telecoms networks.
Authors
How to access this report
Annual subscription: Subscribe to our research modules for comprehensive access to more than 200 reports per year.
Enquire about subscriptionContact our research team
Get in touch with us to find out more about our research topics and analysis.
Contact our research teamMedia
To cite our research, please see our citation policy in our Terms of Use, or contact our Media team for more information.
Learn more- 200 reports a year
- 50 million data points
- Over 350 metrics
How can we support you?
Get in touch
Contact the GSMA Intelligence support team for help with your account, subscriptions, or access to reports and insights.
Newsletter
Subscribe to the GSMA Intelligence newsletter for the latest industry news and insights, delivered to your inbox.
