31% of UTL is owned by the Ugandan government and in 2010 it launched a mobile money service called M-Sente. In December 2014, UTL had 1.6 million customers on their GSM platform, 600,000 of which were transitioned to mobile money. Just over 100,000 customers were active on a 90 day basis. UTL chose to build an agent network directly on top of its GSM network. Thus far it has registered 8,000 agents, 2,700 of which are active on a 90 day basis. To read through the case study, please click here.


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