Page 5 - State-of-the-Industry-2013

Foreword

mobile money represents a
tremendous opportunity for social
impact through enabling custom-
ers to access services which can
help them to manage their daily
lives and improve their livelihoods.
it also represents an important
commercial opportunity, and as
such many of our members have
built mobile money into their
core strategy for achieving future
revenue growth.

Since GSma began collecting and analysing mobile money data back in
2010, our insights from the annual State of the industry report have helped
to create a better understanding of the reach and the operational perfor-
mance of mobile money services around the world. it also builds on an
existing library of knowledge that has been developed by the GSma’s mobile
money for the unbanked programme, with support from the Bill & melinda
Gates Foundation, the masterCard Foundation and Omidyar network.

One of the themes in this report is the importance of collaboration, both
among our members as well as with banks and other external parties,
to develop a successful digital fnancial ecosystem. at the GSma, we are
committed to supporting the industry to do this. We are working with the
industry to understand the opportunity presented by account-to-account
interoperability and how it should be implemented to achieve its full
potential for enabling digital transactions.

i hope that you fnd the contents of this report useful, and i look forward
to GSma’s continued engagement with the mobile money industry to help
accelerate its development so that we shall see even higher performance
in the years to come.

Anne Bouverot
GSma director General & member of the Board