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MOBILE (US$24.49)

MONEY IN UNIQUE MOBILE 15.5 M 31.8 M 11 M TZS 38 ,375 OF HOUSEHOLDS OF HOUSEHOLDS
HAVE AT LEAST
IN TANZANIA HAVE
TANZANIA SUBSCRIBERS REGISTERED MOBILE MONEY ACCOUNTS AVERAGE MOBILE MONEY P2P 35 % AT LEAST ONE 33 % ONE REGISTERED
ACTIVE MOBILE
TRANSACTION
MONEY ACCOUNTS
M-MONEY USER
M-MONEY USER


(US$1,6 BILLION)
(US$ 27,1 BILLION)
48.5 M US$540 26.6 M 55 % 1,7 BILLION TZS 53 TRILLION TZS 2.8 TRILLION
POPULATION
1
80.4% RURAL / 19.6% URBAN GNI/CAPITA 2 CONNECTIONS SIM PENETRATION VOLUME OF MOBILE MONEY VALUE OF MOBILE MONEY TRANSACTIONS (CUMULATIVE) VALUE OF MOBILE MONEY TRANSACTIONS IN ON MONTH - SEPTEMBER 2013
TRANSFERS/PAYMENTS
(CUMULATIVE)

31.8
35% OF THE
M
OUTREACH - 7,232,143 ADULTS (28%) OWN A MOBILE PHONE TO PAY BILLS (15.5%), % AT LEAST ONE REGISTERED ACCOUNTS
HOUSEHOLDS HAVE
ADULTS USE A MOBILE
PHONE
MOBILE MONEY
SEND MONEY (14.0%), AND
- 1,951,310 ADULTS (9%) ARE BANKED
USER (FINANCIAL
RECEIVE MONEY (19.6%)
(FINSCOPE 2009)
INCLUSION TRACKER
(GLOBAL FINDEX)
SURVEYS PROJECT)

TANZANIA COMMUNICATIONS REGULATORY NEW MONTHLY TAX OF 1,000 BANK OF
TANZANIA COMMUNICATIONS AUTHORITY AND BANK OF TANZANIA SIGN DRAFT MOBILE PAYMENTS TANZANIAN SHILLINGS ($0.62) ON TANZANIA AND THE
REGULATORY AUTHORITY PASSES AN M.O.U. ON MOBILE MONEY REGULATIONS ISSUED FOR ALL SIM CARD USERS GOVERNMENT OF
POLICY NEW KYC REGULATION REQUIRING AFI PEER REVIEW OF DRAFT NEW EXCISE DUTY OF 0.15% ON ALL MONEY TANZANIA LAUNCH
CONSULTATION
REGISTRATION FOR ALL NEW AND
THE NATIONAL
MOBILE PAYMENTS REGULATIONS
TRANSFERS (INCLUDING MOBILE MONEY)
EXISTING SIM CARDS
FINANCIAL
BANK OF TANZANIAN MAYA DECLARATION COMMITMENT TO “INCREASE NEW WITHOLDING TAX OF 10% APPLIED TO INCLUSION
FINANCIAL ACCESS BY UP TO 50% OF THE POPULATION BY 2015” MOBILE MONEY AGENTS’ COMMISSIONS FRAMEWORK
VODACOM AND TUJIJENGE VODACOM PARTNERS WITH COMPREHENSIVE ZANTEL AND THE NATIONAL INSURANCE MOBISOL PREPAID ENERGY USES
INNOVATION VODACOM INVESTS IN MARKET TEST LOAN REPAYMENTS HEALTH ASSISTANCE CORPORATION PARTNER TO OFFER FARIJIKA AIRTEL PARTNERS WITH TANZANIA POSTAL
(A MAJOR MFI)
MOBILE MONEY TO OFFER A
COMMUNITY BASED REHABILITATION TO PROVIDE
PAY-AS-YOU-GO SOLAR SYSTEMS

HEALTH INSURANCE THROUGH EZY PESA
THROUGH M-PESA
RESEARCH TO TAILOR THE
M-PESA PRODUCT
VODACOM AND CARE PILOT USE OF M-PESA FOR
AIRTEL WAIVES FEES FOR
VODACOM STARTS TO USE
THEIR ACCOUNTS VIA AIRTEL MONEY
AGENT AGGREGATORS VILLAGE SAVINGS AND LOAN ASSOCIATIONS TO MOBILE MONEY TRANSFERS BANK TO OFFER EXISTING CLIENTS ACCESS TO
PROVIDE A SAFE PLACE TO STORE FUNDS
11M
LAUNCH VODACOM LAUNCHES M-PESA AIRTEL LAUNCHES AIRTEL MONEY TIGO LAUNCHES TIGO PESA ZANTEL RELAUNCHES ITS MOBILE ACTIVE ACCOUNTS
MONEY PLATFORM AS EZY PESA
ZANTEL LAUNCHES Z-PESA
2008 2009 2010 2011 2012 2013
MOBILE SUBSCRIBERS MARKET SHARE - 2013 MOBILE MONEY MARKET SHARE - 2013 MOBILE MONEY CUSTOMERS’ OPINION MOBILE PHONE ACCESS, SIM CARD OWNERSHIP AND MOBILE MONEY WHAT METHODS TANZANIAN
ON THE SERVICE ADOPTION RATES, BY HOUSEHOLDS’ DEMOGRAPHIC CHRACATERISTICS HOUSEHOLDS USE TO SEND AND
RECEIVE CASH REMITTANCES
63% 58%
CHEAPER 56% 55% 47% 51% DELIVERY METHOD
COMPARED TO ANY 87% 29%
OTHER SERVICE 35% 25% M-MONEY DELIVERY VIA HOUSEHOLD’S ACCOUNT (ANY PROVIDER) 51%
I HAVE EVER TRIED
THE M-MONEY QUICKER 83% HAND-DELIVERY (BY SELF OR BY FRIEND) 23%
SERVICE THAT RURAL UNBANKED M-MONEY DELIVERY VIA A THIRD-PARTY ACCOUNT (ANY PROVIDER)
I CURRENTLY USE IS: 13%
EASIER TO USE 82% ALL HOUSEHOLDS 57% 76% 73% BUS-DALA DALA DELIVERY WITH A FRIEND OR A DRIVER/COURIER 12%
8%
M-MONEY DELIVERY VIA AN AGENT’S ACCOUNT (ANY PROVIDER)
SAFER 78% HAVE OR CAN BORROW A MOBILE PHONE 50% 29% 53% DIRECT DEPOSIT INTO A BANK ACCOUNT 2%
31% AIRTEL 35% VODACOM 13% AIRTEL MONEY 53% VODACOM M-PESA HAVE AN ACTIVE SIM CARD NATIONAL MICROFINANCE BANK (PESA FASTA) 2%
31% TIGO 12% ZANTEL 18% TIGO PESA 16% SUBSCRIBERS USE A MORE CONVENIENT 75% WESTERN UNION OR MONEYGRAM 1%
COMBINATION OF TWO M-MONEY USER IN THE HOUSEHOLD HH CONSUMPTION HH CONSUMPTION
OR MORE SERVICES BELLOW $2 A DAY ABOVE $2 A DA % OF HOUSEHOLDS USING THIS METHOD FOR AT LEAST ONE REMITTANCE
SOURCES: GSMA INTELLIGENCE, BANK OF TANZANIA, INTERMEDIA (2103), UNITED NATIONS (WORLD POPULATION PROSPECTS 2010), WORLD BANK (WORLD DEVELOPMENT INDICATORS 2012). THE DATA ON ACTIVE CUSTOMERS ARE AVAILABLE ONLY FOR 2012 AND 2013. ALL DATA ARE REPORTED AT DECEMBER 2013, UNLESS OTHERWISE SPECIFIED.
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