This report assesses pressing challenges that affect Mozambican mobile money agents: poor liquidity management, low working capital, and network issues. The insights from this report will inform agent network ecosystem players in Mozambique to create sustainable strategies to maintain and expand agent networks.

Lending to cash-in cash-out (CICO) agents in developing countries remains a vastly underserved market despite its investment potential. This report focuses on the agent lending landscape in nine diverse low- and middle-income (LMIC) countries that represent mature and evolving markets to provide insights into the larger global opportunity.

Our blog takes a closer look at the e-voucher implementation system to examine but a few, the different roles played by the actors in the ecosystem to ensure successful implementation, challenges of using electronic vouchers and recommendations to stakeholders on how to address the challenges faced in the implementation process.

Digital technology is transforming the way we respond to emergencies. Donors and governments have been forced to turn to more innovative ways to distribute relief aid to reach the last mile as an alternative to physical distribution, especially after COVID-19. Our blog explores the use of electronic vouchers for the distribution of relief, with an emphasis on the benefits of using the e-voucher system over physical distribution of aid.

Bank and mobile money agents have grown to become key access points for financial services. However, there exist challenges and costs that make it hard for providers to efficiently manage this channel. Shared agent networks ease these challenges for providers while improving the business case for agents. This video highlights our perspectives on shared agent network models.

Shared agent networks help providers to reduce the cost of platform management and maintenance, agent training and monitoring, as well as improved liquidity management – particularly in fully interoperable environments. Read more about how formal and informal shared agent networks are helping to deepen financial inclusion in emerging markets.

The Uganda Bankers Association had launched a shared agent network in the country. Over the years, the network has made progress to ensure the distribution of financial services for banks, including those without agent networks. However, the network still faces challenges that need to be addressed to make the agent banking experience seamless.

The informal sector offers abundant opportunities for the youth in Kenya to generate income, though it has its challenges like poor and irregular pay and a host of other challenges. Read more on what can be done for the gig platform economy to offer better working conditions for the informal workers.