Mobile money assessment and contracting guide

Mobile money offers tremendous potential to enable cash transfers at scale and connect program participants to financial services. Oftentimes, however, humanitarian practitioners struggle to understand mobile money terminology to confidently evaluate different mobile money operators and to design contracts that lay the foundation for successful programs.

Furthermore, the majority of humanitarian work currently takes place in locations with weak or disrupted payment infrastructure. Using mobile money in these contexts requires careful assessments and joint planning with mobile money operators (hereafter “operators”) 4 prior to, and throughout, program implementation.

This guide is designed to help humanitarian practitioners understand mobile money operators’ capacities, evaluate potential providers and design strong agreements for successful program implementation. The guide is designed to help you understand the operator’s constraints and challenges so that you can anticipate and mitigate implementation challenges.

Annex 1: Question Guide Assessing your operator

Annex 2: Sample Non Disclosure Agreement

Annex 3: Sample Service Delivery Contract

Annex 4: Sample Audit Report

Annex 5: Example KPI Reporting Table