IFC Mobile Money Study 2011 : Brazil

Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promises of reaching the unbanked and underserved, of servicing existing...

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Bibliographic Details
Main Author:	International Finance Corporation
Format:	Working Paper
Language:	English en_US
Published:	Washington, DC 2015
Subjects:	ACCESS TO ATMS ACCESS TO BANK ACCOUNTS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNT HOLDERS ACCOUNTING ADMINISTRATIVE COSTS ADVANCED TECHNOLOGY ADVISORY SERVICES AFFILIATES AGRICULTURAL ACTIVITIES ALTERNATIVE CREDIT B2B BALANCE INQUIRY BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK CUSTOMERS BANK OF THAILAND BANKING INDUSTRY BANKING SECTOR BANKING SERVICES BANKING SYSTEM BANKS BAR CODE BUSINESS DEVELOPMENT BUSINESS MODEL BUSINESS MODELS BUSINESS STRATEGIES BUSINESS TO BUSINESS BUSINESS TRANSACTIONS BUSINESS-TO-BUSINESS BUSINESS-TO-EMPLOYEE CABLE TV CAPABILITIES CAPABILITY CASH WITHDRAWAL CELL PHONES CENTRAL BANK OF SRI LANKA CHECKING ACCOUNT CHECKING ACCOUNTS CLEARING HOUSES COMMERCIAL BANKS COMMUNICATIONS TECHNOLOGY CONSUMER CREDIT CONVENIENT PAYMENT CORRESPONDENT BANKS CREDIT ANALYSIS CREDIT CARD CREDIT CARD COMPANIES CREDIT CARDS CREDIT COOPERATIVES CREDIT MARKET CREDIT RATING CREDIT RATING AGENCY CREDIT SOCIETIES CREDITS CURRENT ACCOUNTS DATA ANALYSIS DEBIT CARD DEBIT CARDS DEMAND DEPOSITS DEMAND FOR CREDIT DEPOSIT DEPOSIT ACCOUNT DEPOSIT INSURANCE DEPOSITS DEVELOPMENT BANK DISTRIBUTION NETWORK E-MONEY E-PAYMENT EARNINGS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIES OF SCALE EDUCATIONAL CAMPAIGNS ELECTRICITY ELECTRONIC COMMERCE ELECTRONIC MONEY ELECTRONIC PAYMENT ELECTRONIC WALLET EMPLOYEE EQUIPMENT PURCHASE EXCHANGE RATE FACILITATION FAMILIES FAMILY BUSINESS FARMERS FINANCIAL ACCESS FINANCIAL DATA FINANCIAL EDUCATION FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL SERVICE FINANCIAL SYSTEM FIRST CREDIT FORMAL ECONOMY FORMAL FINANCIAL SERVICES GENDER HOUSEHOLD INCOME HOUSEHOLDS ICT ID IDENTIFICATION NUMBER IDENTITY MODULE INCOME GROUP INCOME GROUPS INEQUALITY INFLATION INITIAL CREDIT INSTALLMENT INSTALLMENTS INSTITUTIONAL DEVELOPMENT INTEREST RATE INTEREST RATES INTERNATIONAL FINANCE INTERNATIONAL LAW INTEROPERABILITY INVESTMENT OPPORTUNITIES LARGE CITIES LEGISLATION LENDER LICENSE LICENSES LOAN LOAN APPLICATIONS LOAN REQUESTS LOTTERIES LOW-INCOME FAMILIES MARKET OPPORTUNITY MARKET SEGMENT MARKET SEGMENTS MARKET SHARE MARKET SHARES MARKETING STRATEGY MASS MARKET MASS TRANSIT MATERIAL MEDIUM ENTERPRISES MERCHANT MERCHANTS METROPOLITAN AREAS MFI MFIS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MIGRATION MINIMUM WAGE MINIMUM WAGES MOBILE ACCESS MOBILE COMMUNICATIONS MOBILE NETWORK MOBILE PHONE MOBILE PHONES MONEY TRANSFER MONEY TRANSFERS MUNICIPALITIES NET SAVINGS NETWORKS NEW BUSINESS NEW COMPANY NEW ENTRANTS NEW TECHNOLOGIES NICHE MARKET NONBANKS OUTREACH OUTSTANDING BALANCES PARTNER BANK PAYMENT CARD PAYMENT CARDS PAYMENT METHODS PAYMENT PROCESSING PAYMENT SYSTEM PAYMENT TRANSACTIONS PEER REVIEW PENETRATION RATE PENSION FUND PERSONAL DATA POINT OF SALE POINT-OF-SALE PRIVATE INVESTORS PRIVATE SECTOR PRIVATE SECTOR BANK PRIVATE SECTOR BANKS PROFITABILITY PROJECT MANAGEMENT PUBLIC TRANSPORT QUERIES RECEIPT REGULAR PAYMENTS REGULATORY ENVIRONMENT REGULATORY FRAMEWORK REGULATORY OVERSIGHT RELIABILITY REMITTANCE REMITTANCES RETAIL BANKING ROAD TOLLS SAVINGS SAVINGS ACCOUNTS SAVINGS BEHAVIOR SAVINGS PRODUCTS SAVINGS RATE SEARCH SECURITIES SERVICE PROVIDER SERVICE PROVIDERS SMALL BUSINESSES SOCIAL DEVELOPMENT SOCIAL SECURITY SUBSIDIARY SUPERMARKETS SUPPLY CHAIN TECHNICAL ASSISTANCE TELECOMMUNICATIONS TELECOMMUNICATIONS EQUIPMENT TELEPHONE TELEPHONE SERVICE TELEVISION TRANSMISSION UNEMPLOYMENT UNEMPLOYMENT INSURANCE UNION URBAN AREAS URBANIZATION USER USERS VALUE CHAIN VOUCHERS WEB WEB SITE WIRELESS APPLICATION PROTOCOL
Online Access:	http://documents.worldbank.org/curated/en/2011/01/24115690/brazil-ifc-mobile-money-study-2011 http://hdl.handle.net/10986/21745

Description
Summary:	Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promises of reaching the unbanked and underserved, of servicing existing banking clients, and of being a means for a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information regarding the five main topics as they relate to Brazil, business models, money flows and demand, potential user perceptions and behavior, regulation, and agent networks.

IFC Mobile Money Study 2011 : Brazil

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