Designing Mobile Money Guidelines for SADC

The overall purpose of the project is to develop mobile money guidelines to assist SADC member states harmonise their legal and regulatory frameworks for mobile money in support of greater financial inclusion and market development in the region.
The main objectives of this study are:

  • Determine what policies and guidelines exist on mobile money in the SADC region and use this research (together with other global initiatives) to establish a common definition and understanding of the difference between E-money, Mobile money and digital finance.
  • With an understanding of the drivers of mobile money map out the regulatory approaches require to create an enabling environment for mobile money to reach its full market potential and take in account aspects such as AML/CFT regulation and mobile money’s role as a store of value beyond payments.
  • Work closely with the SADC Payments and Legal subcommittees and after consulting relevant stakeholders such as mobile money industry players, the ITU and others to draft a SADC specific regulatory framework in the form of a guideline that will be presented for adoption to the Committee of Central Bank Governors
  • The guideline should be comprehensive and should outline the broad principles and minimum standards to be observed by mobile money issuers within the SADC region and should at the same time be a key driver of future market development and future positioning

Proposals should be addressed to Mr. Geoff Orpen at the FinMarkTrust, South Africa (

The deadline is 17h00 on 17 August 2015.

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