East Africa Mobile Money Cross-Border Payments: Market Demand Side

Looking at the prevalence, role and nature of cross-border transactions
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This publication is a supplement to the CGAP Blog Series, "Interoperability and Digital Financial Services".

BFA, a global consulting firm specializing in financial services for low income people, undertook both quantitative and qualitative surveys to understand cross-border transactions across the East African region. In this study, transactors are those who sent money, received money or traveled to another country in the region. The objective of this study is to understand:

  • The prevalence of cross-border transfers.
  • How people are currently transacting across borders, how they decide on these methods, and what their pain points are.
  • The demand for conducting cross-border transfers with mobile money.


This work was funded in whole or in part by CGAP. Unlike CGAP's official publications, it has not been peer reviewed or edited by CGAP, and any conclusions or viewpoints expressed are those of the authors, and they may or may not reflect the views of CGAP staff.

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