BANK AND NON-BANK AGENTS IN MOZAMBIQUE: ASSESSMENT AND BUSINESS MODELS TO EXPAND OUT REACH

Like many countries on the continent, Mozambique has seen several initiatives involving the use of retail agents: all three MNOs have launched mobile money programs since electronic-money institutions were permitted by the Central Bank of Mozambique in 2011, and a handful of banks have launched their own banking agent programs over the last few years. Yet, to-date, the presence of bank and non-bank agents, particularly in semi-urban and rural areas, remains limited, as are the variety of products and services that are enabled at the agent site.
FSDMoç Mozambique, commissioned Digital Disruptions, a boutique consulting firm in financial services and innovation, to undertake a research engagement to evaluate the bank and non-bank agent ecosystem as well as to discuss plausible agent models that could expand financial inclusion and access in the country.

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Author
Denise Alves