Financial Sector Development in Africa: Opportunities ... - World Bank

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74 Porteous CGAP (Consultative Group to Assist the Poor). 2009. Financial Access 2009: Measuring Access to Financial Services around the World. http://www.cgap .org/p/site/c/template.rc/1.9.38735/. Communications Commission of Kenya. 2010. Quarterly Sector Statistics Report: 3rd Quarter Jan–Mar 2009/2010. June 30. Donner, Jonathan. 2009. “Mobile-Based Livelihood Services in Africa: Pilots and Early Deployments.” In Communication Technologies in Latin America and Africa: A Multidisciplinary Perspective, ed. M. Fernández-Ardèvol and A. Ros, 37–58. Barcelona: IN3. http://in3.uoc.edu/web/PDF/communicationtechnologies-in-latin-america-and-africa/Chapter_01_Donner.pdf. FinAccess. 2009. “FinAccess National Survey: Dynamics of Kenya’s Changing Financial Landscape.” June. http://www.fsdkenya.org/finaccess/. FNB (First National Bank). 2010. “FNB and PayPal Bring Global eCommerce to South Africa.” FNB. https://www.fnb.co.za/news/archive/2010/20100325 paypal.html. Gartner. 2010. “Gartner Says Number of Worldwide Mobile Payment Users to Reach 108.6 Million in 2010.” Press Release, June 21. http://www.gartner .com/it/page.jsp?id=1388914. Gitau, Shikoh, Gary Marsden, and Jonathan Donner. 2009. “After Access: Challenges Facing Mobile-Only Internet Users in the Developing World.” Paper presented at the 28th International Conference on Human Factors in Computing Systems, April 2010, Atlanta, GA. GPFI (Global Partnership on Financial Inclusion). 2010. “Innovative Financial Inclusion: Principles and Report on Innovative Financial Inclusion from the Access through Innovation Sub-Group of the G20 Financial Inclusion Experts Group.” May 25, 2010. http://www.gpfi.org/knowledge-bank/ publications/g20-principles-innovative-financial-inclusion. Heyer, Amrik, and Ignacio Mas. 2009. “Seeking Fertile Grounds for Mobile Money.” Mimeo. September 3. www.bankablefrontier.com/publications. Honohan, Patrick, and Thorsten Beck. 2007. Making Finance Work for Africa. Washington, DC: World Bank. Houpis, George, and James Bellis. 2007. “Competition Issues in the Development of M-Transaction Schemes.” Vodafone SIM Panel Policy Paper No.6. http:// www.nokia.com/NOKIA_COM_1/Corporate_Responsibility/Sidebars_new_ concept/Transformational_Potential_of_M-Transactions/VOD833_Policy_ Paper_Series.pdf. ITU (International Telecommunication Union). 2010. “Key Global Telecom Indicators for the World Telecommunication Service Sector.” ITU-D, ICT Data and Statistics, available at http://www.itu.int/ITU-D/ict/statistics/at_ glance/KeyTelecom.html, accessed June 18, 2010.
Mobile Financial Services in Africa: The Next Generation 75 Jenkins, Beth. 2008. Developing Mobile Money Ecosystems. Cambridge, MA: Harvard Kennedy School. http://www.hks.harvard.edu/m-rcbg/CSRI/ publications/report_30_MOBILEMONEY.pdf. Leishman, Paul. 2009. “Mobile Money: A US$5 Billion Market Opportunity: Initial Findings of the CGAP-GSMA Mobile Money Market Sizing Study.” MMU Quarterly Update March. Lyman, Timothy, Mark Pickens, and David Porteous. 2008. “Regulating Transformational Branchless Banking: Mobile Phones and Other Technology to Increase Access to Finance.” Focus Note 43. CGAP/DFID, Washington, DC. http://www.cgap.org/p/site/c/template.rc/1.9.2583/. Marlar, Jenny. 2010. “Few in Sub-Saharan Africa Have Money in a Bank.” Gallup World. http://www.gallup.com/poll/127901/few-sub-saharan-africa-moneybank.aspx. Mas, Ignacio. 2009. “The Economics of Branchless Banking.” Innovations: Technology, Governance, Globalization 4 (2): 57–75. Mas, Ignacio, and Kabir Kumar. 2008. “Banking on Mobiles: Why, How, for Whom?” CGAP Focus Note 48. CGAP, Washington, DC. http://www.cgap .org/p/site/c/template.rc/1.9.4400/. Mas, Ignacio, and Sarah Rotman. 2008. “Going Cashless at the Point of Sale: Hits and Misses in Developed Countries.” CGAP Focus Note 51. CGAP, Washington, DC. MMU Deployment indicator. http://www.wirelessintelligence.com/mobilemoney. Morgan Stanley Research. 2009. The Mobile Internet Report¸ December 15. http:// www.morganstanley.com/institutional/techresearch/mobile_internet_ report122009.html. Napier, Mark, ed. 2010. Real Money, New Frontiers: Case Studies of Innovation in Africa. Cape Town: Juta. NIBSS (Nigeria Inter-Bank Settlement System). 2009. Operational Rules and Regulations for the Nigeria Central Switch (NCS). Nigeria Inter-Bank Settlement System. Pickens, Mark, David Porteous, and Sarah Rotman. 2009. “Branchless Banking 2020.” CGAP/DFID Focus Note 57. CGAP, Washington, DC. http://www .cgap.org/p/site/c/template.rc/1.9.40599/. ———. 2010. “Banking the Poor through G2P Payments.” CGAP/DFID Focus Note No 59. CGAP, Washington, DC. www.cgap.org. Porteous, David. 2006. “The Enabling Environment for Mobile Phone Banking in Africa.” Report commissioned by DFID. Bankable Frontier Associates, Somerville MA, May 2006. http://www.bankablefrontier.com/assets/pdfs/ ee.mobil.banking.report.v3.1.pdf.
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lic Disclosure Authorized Public Di
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Financial Sector Development in Afr
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Contents Foreword Acknowledgments E
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Contents vii PART III Safeguarding
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Contents ix 4.4 Size of Mortgage Lo
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xii Foreword In their own way, each
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xiv Acknowledgments led by Stefan N
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xvi Editors and Contributors of Acc
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xviii Editors and Contributors deve
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xx Abbreviations FSB FSD FSDT FSI G
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2 Beck and Maimbo to the bottom of
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4 Beck and Maimbo advocate a “bui
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CHAPTER 1 Microfinance in Africa Al
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Microfinance in Africa 9 Figure 1.1
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Microfinance in Africa 11 A Special
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Microfinance in Africa 13 Figure 1.
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Microfinance in Africa 15 Impedimen
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Microfinance in Africa 17 Figure 1.
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Microfinance in Africa 19 to physic
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Microfinance in Africa 21 Understan
Page 45 and 46: Microfinance in Africa 23 Some exam
Page 47 and 48: Table 1.2 Fanikisha Project Type of
Page 49 and 50: Microfinance in Africa 27 world reg
Page 51 and 52: Microfinance in Africa 29 implicitl
Page 53 and 54: Microfinance in Africa 31 Financial
Page 55 and 56: Microfinance in Africa 33 situation
Page 57 and 58: Microfinance in Africa 35 have yet
Page 59 and 60: Microfinance in Africa 37 9. This i
Page 61 and 62: Microfinance in Africa 39 Ehrbeck,
Page 63 and 64: CHAPTER 2 Mobile Financial Services
Page 65 and 66: Mobile Financial Services in Africa
Page 69 and 70: Table 2.2 African First- and Second
Page 95: Mobile Financial Services in Africa
Page 99 and 100: Table 2A.1 ID and SIM Registration
Page 101 and 102: 79 Guinea Yes http://fr.allafrica.c
Page 103: Togo Yes http://www.mediaf.org/fr/t
Page 106 and 107: 84 Coates and Hofmeister chains. It
Page 108 and 109: 86 Coates and Hofmeister unions in
Page 110 and 111: 88 Coates and Hofmeister trap for t
Page 112 and 113: 90 Coates and Hofmeister Sources of
Page 114 and 115: 92 Coates and Hofmeister Box 3.1 Ca
Page 116 and 117: 94 Coates and Hofmeister farm input
Page 118 and 119: 96 Coates and Hofmeister Technical
Page 120 and 121: 98 Coates and Hofmeister agree to b
Page 122 and 123: 100 Coates and Hofmeister Box 3.3 C
Page 124 and 125: 102 Coates and Hofmeister Attitudes
Page 126 and 127: 104 Coates and Hofmeister developin
Page 128 and 129: 106 Coates and Hofmeister specifica
Page 130 and 131: 108 Coates and Hofmeister ———
Page 133 and 134: CHAPTER 4 Housing Finance Simon Wal
Page 135 and 136: Housing Finance 113 Figure 4.1 Mort
Page 137 and 138: Housing Finance 115 countries, down
Page 139 and 140: Housing Finance 117 • The housing
Page 141 and 142: Housing Finance 119 limited to a fe
Page 143 and 144: Housing Finance 121 housing and inf
Page 145 and 146: Housing Finance 123 borrowed by ext
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Housing Finance 125 Box 4.1 Afforda
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Housing Finance 127 Box 4.2 South A
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Housing Finance 129 the degree to w
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Housing Finance 131 markets is the
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Housing Finance 133 are unable to o
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Housing Finance 135 greenfield vent
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Housing Finance 137 Figure 4.5 Obst
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Housing Finance 139 changes in the
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Housing Finance 141 • Introduce a
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Housing Finance 143 Box 4.6 Progres
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Housing Finance 145 of the impact o
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Housing Finance 147 funds. Within s
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Housing Finance 149 Hassler, O., an
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CHAPTER 5 The Reform Agenda for Fin
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The Reform Agenda for Financial Reg
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PART IV Financial Sector Reform: Ac
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180 Dafe lack access to external in
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182 Dafe having a positive theory o
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184 Dafe In sum, high transaction c
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186 Dafe through the selective allo
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188 Dafe institutions of the indust
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190 Dafe the boundaries of informat
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192 Dafe range of examples of both
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194 Table 6.1 Period Since the end
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196 Dafe state-owned financial inst
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198 Dafe The degree of success, in
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200 Dafe Although the current conse
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202 Dafe The interdependence of the
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204 Dafe in the 1980s and 1990s wer
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206 Dafe Alternative Approaches to
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208 Table 6.2 Approach to explain/
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210 Dafe state-centered, and interd
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212 Dafe particularly important fac
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214 Dafe Table 6.3 (continued) Mana
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216 Dafe activism in the developing
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218 Dafe structures can undermine m
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220 Dafe Conclusion There is strong
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222 Dafe policy is not straightforw
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224 Dafe banks that open agents in
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226 Dafe Bankable Frontier Associat
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228 Dafe Goldsheid, R. 1958. “A S
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230 Dafe ———. 2001. Types of
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