Simatelele

CONTENTS
ACKNOWLEDGMENTS.......................................................................................................................................................4
ABBREVIATIONS....................................................................................................................................................................4
EXECUTIVE SUMMARY......................................................................................................................................................5
Background.....................................................................................................................................................................................5
Research Methodology................................................................................................................................................................5
Key Findings & Recommendations..........................................................................................................................................5
1. CASE STUDY BACKGROUND...................................................................................................................................7
1.1 Purpose & Research Questions.......................................................................................................................................7
1.2 Humanitarian Context & Implementing Partner......................................................................................................7
1.3 Overview of Financial Services & Payments in Zimbabwe....................................................................................8
1.4 Mobile Money in Zimbabwe..............................................................................................................................................8
1.5 Regulatory Aspects of Digital Payments......................................................................................................................9
1.6 Consumer Trust in Financial Services........................................................................................................................ 10
2. SAVE THE CHILDREN’S E-TRANSFER PROJECT........................................................................................ 11
2.1 Project Description............................................................................................................................................................ 11
2.2 Service Provider Selection.............................................................................................................................................. 12
2.3 Registration, Orientation and Disbursement......................................................................................................... 12
Training/Orientation........................................................................................................................................................... 13
2.4 Project Participant Profile.............................................................................................................................................. 14
3. CASE STUDY RESEARCH METHODS................................................................................................................. 15
4. FINDINGS........................................................................................................................................................................... 17
4.1 Financial Behavior Prior to the E-transfer Project................................................................................................ 17
Savings Behavior before the Project............................................................................................................................. 17
Money Transfer Behavior before the Project............................................................................................................. 18
Borrowing Behavior before the Project........................................................................................................................ 18
Conclusions: Pre-Project Financial Service Use.......................................................................................................... 19
4.2 Mobile Money Use After the E-transfer Project..................................................................................................... 19
Usage Patterns for Specific Mobile Money Services................................................................................................. 19
Summary of Changes in Mobile Money Use............................................................................................................... 21
CAN E-TRANSFERS PROMOTE FINANCIAL INCLUSION IN EMERGENCIES: A CASE STUDY FROM ZIMBABWE 2