Mobile money, the use of mobile phones to provide financial services through virtual “wallets” to unbanked populations, is relatively new. The earliest innovators in South Africa and the Philippines entered the market less than 6 years ago and M-PESA in Kenya, the most successful mobile money business to date, launched in February 2007. Approximately three years later when our Mobile Money Toolkit was completed in June 2010, the GSMA was estimating...
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