GSMA’s State of the Industry Report 2014 tells us there are 255 mobile money services in operation across 89 countries; digital financial services (DFS) are now available in over 60% of developing markets. An increasing number of services are reaching scale: 21 services now have more than one million active accounts, but 234 have failed to do so. So what separates these 21 “sprinters” from those deployments that limp?

There are, of course, many factors, but at the core of all the successful deployments has been a serious investment in at least three core pillars: 1. Understanding the market; 2. Technology; and 3. Building a robust & reliable agent network development.

This presentation highlights these three core design principles for successful Payment Banks and the lessons from international experience.

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