Please find below a list of “Key Reads” from the Bill & Melinda Gates Foundation, CGAP, GSMA and the Alliance for Financial Inclusion (AFI) on Branchless Banking and Mobile Payments.

• Modupe Ladipo and Maya Makanjee:   From Data to Action: Using FinScope in Nigeria
• Ignacio Mas and Daniel Radcliffe:   Mobile Payments Go Viral: The Story of M-PESA
• Ignacio Mas and Amolo Ng’weno:  Three Keys to M-PESA’s Success: Branding, Channel Management, and Pricing
• Ignacio Mas and Olga Morawczynski: Designing Mobile Money Services: Lessons from M-PESA
• CGAP Video:  How M-PESA Works
• Safaricom: M-PESA Resource Center
• Amrik Heyer and Ignacio Mas: Seeking Fertile Grounds for Mobile Money
• Frederik Eijkman, Jake Kendall, and Ignacio Mas: Bridges to Cash: The Retail End of M-PESA
• Ignacio Mas: M-KESHO in Kenya
• Ignacio Mas: The Economics of Branchless Banking
• Video Describing Melinda Gates Visit to Diconsa in Mexico
• William Jack and Tavneet Suri: Mobile Money: The Economics of M-PESA

• GSMA:  Building a Network of Mobile Money Agents
• GSMA:  Incentivizing a Network of Mobile money Agents
• GSMA:  Managing a Mobile Money Agent Network
• GSMA:  Mobile Money for the Unbanked Blog
• GSMA:  Mobile Money Deployment Tracker

• CGAP:  The CGAP Technology Blog
• CGAP:   Banking the Poor via G2P Payments
• CGAP:   Going Cashless at the Point of Sale
• CGAP:   Realizing the Potential of Branchless Banking
• CGAP:   Banking through Networks of Retail Agents

Regulation

• Alliance for Financial Inclusion:  Enabling mobile money transfer: The Central Bank of Kenya’s treatment of M-PESA
• Claire Alexandre, Ignacio Mas, Dan Radcliffe: Regulating New Banking Models that Can Bring Financial Services to All
• Michael Tarazi and Paul Breloff, CGAP: Non-Bank E-Money Issuers: Regulatory Approaches to Protecting Customer Funds
• Timothy Lyman, Mark Pickens, and David Porteous, CGAP: Regulating Transformational Branchless Banking