Maha Khan

Posts by Maha Khan

Agent Network Accelerator Survey: Bangladesh Report 2016

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

From OTC to Mobile Accounts: Easypaisa’s Journey

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 […]

Working Together To Fight DFS Fraud

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 […]

Agent Network Accelerator Survey: Uganda Country Report 2015

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

The Bricks and Mortar of Agent Networks: Training and Support in India

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 […]

Agent Network Accelerator Survey – Pakistan Country Report 2014

Based on over 2,000 mobile money agent interviews carried out in 2014

Agent Networks In India—How Mandates Have Influenced the Landscape

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 […]

The Powerful Agents & Fractured Markets of Pakistan

Pakistan is easily one of the top five leading digital finance markets in the world; yet also certainly one of the least understood.  Anyone striving to learn about it must first understand how the Over-the-Counter (OTC) methodology adopted in Pakistan works, as it operates uniquely compared to other markets, especially those where it is unregulated.  […]