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HAITI MOBILE MONEY

A POINT-IN-TIME CASE STUDY

The November 2010 public launch of mobile money in Haiti was an important milestone for The US $10 million Bill & Melinda Gates Foundation/USAID-funded Haiti Mobile Money Initiative

ACKNOWLEDGMENTS

BACKGROUND

program Dalberg was engaged to periodically conduct research into the evolution of the mobile money ecosys-

i) conducting new primary research; ii) codifying learnings and insights; iii) applying learnings and perspectives

Contents

The launch of mobile money in Haiti

The launch of mobile money in Haiti

occurred in a country reeling from stroyed a large amount of the coun- 1 of the Haitian population 2

As donors committed more than

ter" in Haiti 3 and disaster relief efforts began to transition toward actively developing new mobile mon- are similar in design but have chart- ed different courses as the partners capabilities and strategies to grow system emerges to support sustain-

The Haitian mobile money ecosys-

tem spans a wide range of players & Melinda Gates Mobile Money

Introduction

The launch of mobile money in Haiti

5 also has been shaped by a US $10 mobile money in Haiti as well as by

Much has been learned about the

development of mobile money eco- and catalyzed more than 100 new is that the mobile money ecosys- stages and highlights some of the

How ecosystems and service provid-

ers move through these phases is

REGULATORS

Funders

Brokers

Researchers

Mobile Network

Operators (MNOs)Banks

MARKET

BUILDERS

TECHNOLOGY

PROVIDERS

AGENTSLOCAL

VENDORS

SERVICE

PROVIDERS

CONSUMERS

Institutions (e.g. NGOs)Individuals

6 rapid launch and growth of mobile the numbers of transactions per- money ecosystem suggests there tals that need to be established in order to support the transition to a ers that have invested heavily in the mass of active users around a well- designed and well-supported service

This case study provides an over-

view of the emergence of mobile been developed and identifying some of the challenges that service

This is a timely opportunity to in-

vestigate these themes as mobile money in Haiti approaches a water- shed moment - when the focus will shift from rapid growth to long-term

The Evolution of Mobile Money in Haiti

LAUNCH & GROW

SUSTAIN

EVOLVE

Mobile money services

launched with growing

Basic set of services

launched with supporting processes launched and trained with supporting management structure

Initial customer

education

Initial guidance/

regulations of services and system functionality

Management of agent

and incentives

Critical mass of active

Necessary

adjustments to regulation are made to accommodate growth of service

New value-added

services layered onto platform (may be from third-party provider)

New levels and structures

support service delivery

Demand for new

services and applications as mobile money becomes a part of everyday life accommodate new services and

Critical mass of active

users and agents and a stable service offering partnerships

SERVICE PROVIDERS OF MOBILE

MONEY IN HAITI

tively they have grown mobile phone penetration from 5% in 2006 to

35% in 2010

households have access to a mobile phone 5 estimated 65% 6 and T-Cash were both designed as duciary responsibility for the service and are responsible for the approval of agents and for regulatory compli- ent set of provisions and parameters the majority of customer engage- third-party technology providers (YellowPepper and MoreMagic) to

Different contracts and service-level

agreements govern these relation- the technology partners to integrate more functionality into the system -

Launch & Grow

and merchant user interfaces as well as reporting support of mobile

YellowPepper and MoreMagic will

need to invest in their platforms to providers have partnerships with other organizations to manage

Digicel has established partnerships

with its airtime distribution super- agent Alo Haiti (19 branches) and and is using the much larger branch and subsidiary Unitransfer to pro- mately 50 transactions a day to earn ested and engaged as mobile money

Second MNO

with 1.5 million subscribers

Owned by Trilogy

International

Partners (USA)

US-based tech

provider

One of the two

largest foreign banks

Unitransfer outlets

are registered

T-Cash agents

Voila is converting

many airtime agents

Agent Partners

Bank(s)

Tech Provider

MNO

Largest MNO

with ~2.5 million subscribers

Subisidiary of the

Digicel Group

(Bermuda)

Latin American

tech provider

Local partner

involved in agent registration

Scotiabank

is a leading international bank with a smaller presence

YellowPepper is a

third-party agent manager

Alo Communications

and Fonkoze are agent partners

TchoTcho

Mobile

T-Cash

agents struggling to maintain agents who lished by both TchoTcho and T-Cash at launch has not changed sig- chants to accept retail purchases us- tions in the pricing of different trans- actions between TchoTcho Mobile now offer a mini-wallet with a trans- and a full wallet with a transaction (mWallets) have different Know-Your- 9

Registration

Deposit

Free, HTG100 deposit

Free

Free, no deposit

Free

TransactionTchoTcho MobileT-Cash

Transaction

amount (HTG)

25-1,000

1,001-2,500

2,501-5,000

5,001-10,000

1-25

26-599

600-1,000

1,001-2,500

2,501-5,000

5,001-10,000

25-1,000

1,001-2,500

2,501-5,000

5,001-10,000

25-1,000

1,001-2,500

2,501-5,000

5,001-10,000

25-1,000

1,001-2,500

2,501-5,000

5,001-10,000

25-1,000

1,001-2,500

2,501-5,000

5,001-10,000

Transaction

amount (HTG) Fee (HTG) 6 15 25
30
Free 1/100 6 15 25
30
20 40
80
120
20 40
80
120
10 20 40
60
10 20 40
60
Fee (HTG)

Transfer to a client

Transfer to a non-client

Withdrawal

a full commercial launch in Decem-

Digicel launched its service with a

The scope of services still remains

cash out" and P2P transfers to other services that can be developed or include system payment functional- to enable mWallet integration with increase the use of their current ser- vices for a broader set of payment stages of launching a national lot- tery product that uses the TchoTcho platform and associated agent net- piloting the use of mobile money 10

Service overview

Application of available servicesService

Cash in/cash out

P2P transfers

Payments (including

airtime*)

Current

Potential Future Products

Formal bill payment

Bank account integration

International

remittances

Micro-insurance

Savings

Loans

Person to person transfers

Airtime purchases*

Salary payments

Benefits and transfers

Supply chain payments

Customer point-of-sale payments

Loan repayments

application programming interface (API) for a local online auction com- mobile money as a medium of pay- transfers by non-government organi- pand the set of merchants that will accept mobile money for customer

The development of new value-add-

gaining customers remains one of the most fundamental points of dif- and the providers are holding their secrets closely as they compete for tunity to Sustainable Business" - for further information on the product service providers are beginningquotesdbs_dbs9.pdfusesText_15

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