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Mobile money profitability: A digital ecosystem to drive healthy margins

The path to profitability. Beyond these bright lights in the industry, MNOs still have limited visibility into the investment required for mobile money to succeed, what profit margins to expect, and how margins will change as their service matures. This paper aims to provide guidance for operators seeking to evaluate the profitability of mobile money in the context of their core business. While tailored to MNOs, many of our insights apply more broadly to other types of providers as well. Drawing on an analysis by GSMA’s Mobile Money for the Unbanked (MMU) programme, we defend the on-going OPEX required to make a mobile money deployment profitable, and the importance of transitioning to a digital financial ecosystem. This analysis from the GSMA takes a relatively conservative view of mobile money as a payments platform that can become profitable with scale.

Cleo Turner
Cleo is DFI's CDFP coach and helps our students with the apply section of the Certified Digital Finance Practitioner (CDFP) program. As part of her role Cleo shares useful resources and insights from a wide variety of sources and authors with our community.

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