Improving Large-Scale Mobile Money Disbursements

Humanitarian mobile money disbursements are often hampered by liquidity and performance constraints throughout the cash delivery ecosystem – from Retail Agents to mobile money service providers.

This report documents and provides an analysis of the challenges encountered in the process of delivering humanitarian bulk payments and presents key recommendations for humanitarian organizations, mobile money service providers, and donors alike to overcome these constraints. This research draws from programmatic experiences in Pakistan as well as detailed engagement with the major mobile money providers, Franchises, Retail Agents and humanitarian practitioners throughout in the Pakistan market. The recommendations draw from the key findings and the discussion at a stakeholder workshop that the IRC convened in Islamabad, Pakistan, which brought together mobile money service providers and humanitarian actors.