In 2009, Pakistan spearheaded the over the counter (OTC) transaction revolution. But in the summer of 2017, the digital financial services (DFS) landscape may experience a watershed moment. In June 2016, the State Bank of Pakistan (SBP) announced that as of July 2017, all branchless banking players offering OTC transactions will be required to use […]

Fraud is one of the major threats to the emergence and sustainability of the DFS ecosystem. Uganda’s DFS market has long been plagued by fraud. The Helix 2015 ANA Uganda Report revealed that 53% of Uganda’s mobile money agents have experienced fraud within the last year – either personally or through one of their employees. At the recent launch of […]

This report highlights findings on the DFS agent landscape in Uganda covering agent profitability, transaction volumes, liquidity management and other important strategic considerations.

The 2015 ANA Zambia country report indicates that owners find the mobile money business fruitful but the research also indicates that there is high turnover amongst the operators. This blog highlights the volatility of this market and how training agents can help to provide a consistent, high-quality customer experience.

This report highlights findings on the DFS agent landscape in Bangladesh covering agent profitability, transaction volumes, liquidity management and other important strategic considerations.

OTC transactions are one of the most contentious issues in digital financial services (DFS). Some argue that OTC can decrease provider profitability, stymie product evolution, and can lead to unregistered transactions increasing the risk to terrorism financing and money laundering.This blog seeks to demystify one of the five concerns by analysing evidence from ANA research countries: OTC can prevent product evolution.

While the first blog in this series explained how Indian Government mandates have determined the current character of the digital finance services (DFS) market in India, this blog is more forward looking,  focusing on addressing issues of agent training and support.  The 2015 ANA India data shows that these are areas where providers are struggling, and are therefore also […]

There is a key difference in how the Digital Financial Services (DFS) market in India has evolved when compared to other countries. While in most countries the expansion of DFS along with agent networks has been driven by profit, the growth of DFS in India has essentially been the result of government mandates. The mandates […]