2016-2017撒哈拉以南非洲移动支付现状（英文版）.pptx

,2016-2017,The State of,Mobile Money in,Sub-Saharan Africa,Over the last decade, global mobile money adoption has been drivenby growth in Sub-Saharan Africa,2,Deployments,Countries,Sub-Saharan AfricaGlobal,3992,25,2016,2006,Sub-Saharan AfricaGlobal,140277,2016,2006,27,Dec2011,Dec2010,Dec2008,Dec2009,Dec2007,Dec2012,Dec2014,Dec2013,Dec2016,Dec2015,Millions300250200150100500,*Source: XX, The Banking System in Africa: Main Facts and Challenges. SSA bank accounts per 1,000 adults: 334.5,277M,0.2M,Number of bankaccounts in 2015,178M*,With more money mobile accounts than traditional bank accounts,financial inclusion has significantly improved in Sub-Saharan AfricaGrowth of registered mobile money accounts in Sub-Saharan Africa, 2006 to 2016,XM,Number of mobile money accounts,3,1009080706050403020100,2011,2012,2013,2014,2015,2016,Sub-Saharan Africa*Rest of the world,accounts,millions,Mobile money account adoption in Sub-Saharan Africa has outpacedgrowth in the rest of the worldGrowth of 90-day active mobile money accounts, 2011 to 201690-day active  110,*Sub-Saharan Africa comprises: East Africa, Central Africa, Southern Africa, West Africa,Note: Rest of the world excludes Sub-Saharan Africa,4,More than 40% of the adult population is using mobile money on anactive basis in seven Sub-Saharan African countries,GabonGhanaKenyaNamibia,TanzaniaUgandaZimbabwe,5,Regionally, mobile money adoption is being driven by growth inWest Africa,2011,2016,Growth and share of 90-day active accounts,Share of value of transactions,92%,71%,29%,18 mn  8%,100 mn,West Africa,Rest of Africa,6,98%,87%,14%,2%,USD13 mn,USD66 mn,*Source: XX  Connected Women Mapping the mobile money gender gap: Insights from Cote dIvoire and Mali, April 2017,Sub-SaharanAfrica,19.5%,225M,Total low- and middle-incomecountries,36%,1.9B,Mobile money gender gap = (% of men +15 with a mobile account - % of women +15 with a mobileaccount) / % of men +15 with a mobile account,Mobile money gender gapNumber of women withouta mobile money account,Sub-Saharan Africa has a smaller gender gap to bridge than otheremerging regionsMiddle East,81%,48.5M,South Asia66.6%         555M,East Asia &Pacific,29%,775M,Latin America& Caribbean,41%,204M,7,Values, 2016,Values, 2011,Transactions have diversified from airtime top-ups and P2Ptransfers to more sophisticated use cases,Sub-Saharan AfricaProduct Mix,Ecosystem:11%,Ecosystem:4%,Ecosystem:,24%,Ecosystem:,17%,3.0%  3.9%  4.9%,0.2%2.1%,86.0%,64.3%,1.5%,0.0%1.0%,2011 to 20160.9%,Volume, 201132.3%,6.1%,11.0%,4.3%1.3%7.0%,70.4%,58.9%,11.8%,1.9%,Volume, 201624.4%2.8%0.2%,Ecosystemtransactions,International remittance,Merchant payment,P2P transfer,KeyAirtime top-upBill paymentBulk disbursement,8,which have been driven by a significant rise in bill paymentsEcosystem transaction volumes, 2011 to 2016,1000,200,2011,2012,2013,2014,2015,2016,Millions1,1001,000900800700600500400300,0,200,400,600,800,1,000,1,200,Bill paymentBulk disbursement,International RemittanceMerchant payment,Volume, Millions,Ecosystem payments almost quadrupledbetween 2014 and 2016, driven by bill payments201620152014,96%,CAGR, 2011 to 2016,9,Note:XX stands for Compound Annual Growth Rate.CAGR represents the mean rate of growth between two time periods, assuming that growth has been compounding over that time period.,92.7%,81.7%,13.3%,0.7%   0.3%6.3%,100%,0.7%4.4%,Bulk disbursementsInternational Remittances,Cash-in transactionsBank-to-Wallet transcations,IncomingtransactionsUS$ 2.9 billion,2013,2016,IncomingtransactionsUS$ 5.8 billion,Incoming transactions show a prevailing reliance on agents, whilecash digitisation has increasedEvolution of incoming transactions in Sub-Saharan Africa, 2013 vs 2016,10,As revenue continues to rise, agent commission distribution allowsfor greater employment and income generation for SMEs,Leading mobile money operatorsin Sub-Saharan Africa paid out47%of their revenues as commission.This amounted to over US$ 400million in 2016Source: XX 2016 Data,Between September 2015 and June2016, mobile money revenue inSub-Saharan Africa grew by27%,11,A ten-fold increase in agent reach over five years may have drivenmobile money growth in Sub-Saharan Africa,Note that this is not the number of unique mobile money agent outlets, but rather the sum of the agent outlets providing cash-in and cash-out services for the mobile money services that are available globally. In manymarkets, individual outlets may serve several mobile money service providers. This practice is more pronounced in mature mobile money markets, particularly where competition among service providers is high. For thatreason, the number must be interpreted with care, as it does not reflect the number of unique mobile money agent outlets. Agent outlets and registered agents are used interchangeably.,12,Active agents in Sub-Saharan Africa,Agents per1,000 adults,20112016,100,0001.5 million,0.181.75,Note: the methodology that determines whether a country has enabling or non-enabling regulation is due to change, which will impact the figures shown above.Regulation in Sudan is currently under development.,13,Rest of the world,Rest of the world,18,24,24countries with enablingregulation in Sub-Saharan Africa,with an increasing number of enabling markets also allowing for arise in mobile money useApril 2017June 2013,30countries with enablingregulation in Sub-Saharan Africa,14,1810,6017,Mobile money-enabledinsurance services inCountries,Ten million policiesissued by June 2016,Mobile-enabled insurance and savings services have seen growthacross the region,Mobile money-enabledsavings services inCountries,Note: the methodology that determines whether a country has enabling or non-enabling regulation is due to change, which will impact the figures shown above.Regulation in Sudan is currently under development.,As at June 2016,As at June 2016,while mobile credit services have made great strides in maturemobile money markets, particularly in Kenya and Tanzania,*Source: Daily Monitor Uganda 16 August 2016 - Groundbreaking: When the mobile phone became a bankM-Shwari 2014 NPL ratio: 5.6%; Kenya 2014 NPL ratio: 10.5%,15,2012,2014,Number ofaccounts,15 million,5 million,Value of loansdisbursedNon-performingloan ratio,M-ShwariKenya*,M-PawaTanzania*,Established,US$ 1.3billion1.92%(Kenya: 5.3%),US$ 22million8.52%(Tanzania: 8.3%),Mobile credit services in sub-Saharan Africa,11countries,CameroonGhanaKenyaMalawiNigeriaRwanda,SenegalTanzaniaUgandaZambiaZimbabwe,2016,39services,1country,Kenya,2011,6services,*As at June 2016,Mobile money use has generated positive externalities for otherindustries, especially in providing services for rural communities*Source: The Citizen - Dawasco hails M-Pesa billing, 10 July 2013,*Source: M-KOPA Solar Press Release: M-KOPA Connects Half a Million Homes, 27 April 2017Technoserve Connected Farmer Alliance,16,Opportunities remain for mobile money growth across Sub-SaharanAfrica, based on total customer base per deployment90-day activity rate on GSM customer base per mobile money deployment in,Note: This graph shows mobile money deployments in Sub-Saharan Africa with activity rates >2%Calculation: active 90-day mobile money customers / mobile connections (unique subscriber) for every operator,80%70%60%,90-dayactivity rate,Sub-Saharan Africa, June 2016118 millionthe number of 90-day accountsmobile money services could gain if,they achieve activity rates of 40%50%40%30%20%10%0%,17,Deployments witha high activity rate,Deployments witha low activity rateMobile money deployments,INVESTMENTIn addition to high operational expenditureand full buy-in from senior leaders, constantinvestment is necessary to ensure growthPOLICY & REGULATIONMaintaining a proportional risk-basedapproach to regulation to ensure the servicecan continue to reach low-income individualsRURALOnly 17% of the addressable market hasbeen captured in rural markets, remaining asource of untapped potential for providers,INFRASTRUCTURE & TECHNOLOGYHarmonised APIs can improve seamlessintegrations, stimulating new and complexuse-cases and products for usersGENDERSub-Saharan Africa has a smaller gendergap than other regions, but 225 millionwomen still lack a mobile money accountECOSYSTEM DEVELOPMENTInteroperability at the regional level wouldenable a rise in ecosystem transactions,such as cross-border remittance payments,As mobile money adoption and use continues to rise, future growthcan be unlocked by addressing a number of key drivers,18,