International Finance Corporation Mobile Money Study 2011, Summary Report

Posted by EKStallings on Jan 10, 2012
International Finance Corporation Mobile Money Study 2011, Summary Report data sheet 217 Views
Onoguchi, Arata, Leila Search, and Piya Baptist
Publication Date: 
Dec 2011
Publication Type: 
Report/White paper

M-money services have flourished in some countries, both developed and developing, but not in others. Why? What are the drivers for success and the barriers that block success? How can one recognize whether a new market will blossom if given a strategic push or whether a situation is too challenging?

This study was undertaken to increase our understanding of how m-money systems develop and to address key issues in scaling up m-money adoption. It first reports on a survey of user and nonuser perceptions and the types of demand expressed for m-money. Then it looks at several parameters that could spur or block m-money development, such as national regulatory environments, current access to financial services, and the requirements of potential service providers to run m-money services as viable businesses.

Four countries—Brazil, Nigeria, Sri Lanka, and Thailand—each of which represents a different world region, socioeconomic situation, and financial context, were visited and analyzed in terms of m-money business models, major money flows and demand, user and nonuser perceptions and behavior, regulations, and agent networks. We also studied the two most successful m-money countries—Kenya in the developing world and Japan in the developed world—to compare them with the four countries in our study. The United States was included as a reference point and as an advanced country in terms of electronic payment (e-payment) cards (e.g., debit and credit).

Based on our findings, we propose the best possibilities for investment in m-money in the four countries studied and can identify areas that hold little promise under current conditions. We have also developed a theoretical framework and methodology that is a powerful tool for assessing any country’s m-money development potential. It provides insight into the type of business model most appropriate in a specific country context, the sort of partnerships needed, the type of regulatory environment required to enable m-money development, and—finally—the developmental paths that m-money might take.


Responding to the Human Resource Crisis: Peer Health Workers, Mobile Phones, and HIV Care in Rakai, Uganda

Posted by MohiniBhavsar on Sep 01, 2010
Responding to the Human Resource Crisis: Peer Health Workers, Mobile Phones, and HIV Care in Rakai, Uganda data sheet 1804 Views
Chang, L.W. et al.
Publication Date: 
Jan 2008
Publication Type: 
Journal article

Two challenges to successful antiretroviral therapy (ART) scale-up in resource-limited settings (RLS) are human resource and healthcare infrastructure limitations. 

We read with interest the modeling study by Bärnighausen et al. which describes the complexities of ensuring adequate human resources to treat HIV/AIDS (HRHA). The authors suggest that factors needed to achieve universal ART coverage include “changes in the nature or organization of care,” training health workers with skills specific to the developing world to reduce emigration, and developing systems that decrease the number of traditional HRHA required to treat a fixed number of patients.

The Rakai Health Sciences Program (RHSP) PEPFAR-funded ART program has been actively pursuing innovative HIV care strategies that directly address these important points. In 2006, we piloted a novel program utilizing peer health workers (PHW) and mobile phones to monitor patients in a rural ART program in Rakai, Uganda.