Mobile connectivity is already playing a key role in inclusion of the underserved in the social and economic development of many African countries, but clearly there is much room for further development. Ideally that development will offer a clear benefit to all within a country’s population: reducing any digital divide; supporting families and businesses; and offering access to essential education, skills and finance to create flourishing local digital economies.

This is a challenge that can only be met through collaboration to overcome critical roadblocks in technology, governance, business models and investment.

The Mobile 360 Series - Africa event explored these initiatives through conference sessions and various co-located programmes. The event was held at The Clock Tower Conference Centre, located at Level 1 & 2, South Arm Road, V&A Waterfront, Cape Town



The Mobile 360 Series – Africa conference convened key stakeholders to examine the practical steps which can, and need to, be taken by all parties to help bring about collaboration, including:

  • Coordinating and enabling policies promoting digital and financial inclusion
  • Extending affordable access to mobile and internet services
  • Empowering citizens to make the most of new opportunities
  • Supporting the required investment at macro and micro levels



Furthering the conference programme, Mobile 360 Series – Africa served as an extension of established GSMA events including the Mobile for Development Summit and the Mobile Money for the Unbanked Leadership Forum.  These events were featured at Mobile 360 - Africa as co-located programmes, showcasing the progress of initiatives already benefitting millions within the region.

The co-located programmes took a closer look at many of the initiatives driven by GSMA's work in Mobile for Development, Mobile Money for the Unbanked (MMU), Connected Women and policy and regulation.

These initiatives were be highlighted through various co-located programmes, including:  

  • Connected Women
  • Mobile for Development (M4D)
  • MMU Global Event
  • MMU Leadership Forum
  • Spectrum Policy Breakfast
View the agenda for detailed information about each of these co-located programmes.





GSMA Showcase

The GSMA Showcase highlighted various GSMA programmes and initiatives in Digital Commerce, Personal Data, Spectrum for Mobile Broadband, Digital Inclusion and Mobile for Development. The Showcase featured innovative applications of mobile technology along with hands-on demonstrations.

Attendees were able to experience the future of mobile through:

  • The Smart Health platform which enables health and community workers to access a range of applications, services and content (sourced from multiple providers) using their mobile device – via a flexible/configurable mobile app and/or via SMS, USSD and other channels.  Commercial agreements with MTN and Airtel enable zero-rated data connectivity for subscribers.
  • Duma Works which demonstrates its SMS-based screening process to help determine if candidates are the right fit for the job opening.
  • Maymay, the first mHealth app in Myanmar, providing informational messages for maternal and child health.
  • A glimpse into what retailers and digital commerce may offer in the near future, through a SIM-based NFC API solution that turns your smartphone into a shopping assistant – a product developed in partnership with the GSMA, Orange France and Déjàmobile.
  • A look into the latest that mobile has to offer in online consumer authentication.  Mobile Connect is convenient and can help simplify the authentication process using a mobile phone.


Between the conference and co-located programmes, Mobile 360 Series - Africa offered a wide range of dynamic sessions through a thought-leadership agenda supported by C-level speakers across the mobile ecosystem. Each individual programme agenda is displayed below. Within each agenda, click on a session title to view the session description and associated speakers.

To view the full overview of the week, please click here.




The Mobile 360 Series – Africa conference identified ways in which collaboration can bring about digital and financial inclusion.  Sessions included keynote addresses, panel sessions, and case studies to prompt audience interaction and discussion.

Sessions:  Held on Thursday and Friday

Attendees:  Open to all conference pass holders

6 November

09.00 – 10.00Welcome and Opening Speech

As Africa gains in economic and demographic power, what needs to happen to ensure that mobile connectivity and mobile broadband can support and accelerate this growth? Leading lights in the African telecoms ecosystem set the tone for this event, sharing their visions and concerns about the development of the industry and the role it is playing, and can play, in the further growth and evolution of the continent.

Speakers Include:

Anne Bouverot, Director General, GSMA

Sifiso Dabengwa, Group CEO, MTN Group

Dion Jerling, CEO, Connect Africa

Pikie Monaheng, CEO, Amdocs South Africa

10.30 – 12.30Broadening Digital and Financial Inclusion

While increasing digital and financial inclusion has the potential to be a great benefit, there is also the risk of increasing the divide between the winners and losers in society. Proper inclusion implies the ability of people to benefit from the access they are provided with throughout society.

In order to deliver the full benefits of digital and financial inclusion the right policy foundation is essential, including coordination between multiple ministerial stakeholders such as Finance and ICT. Meanwhile, collaboration between industry and policymakers on issues such as mobile money interoperability is also increasing the benefit of both digital and financial inclusion to citizens.

In a combination of case studies, discussion and audience interaction this session shares best practices and examines how to broaden inclusion in the next few years.

Speakers Include:

Moderator: Assaad Jabre, Board Member, GSMA Foundation

Carol Caruso, Global Head, SVP Channels & Technology, Accion 

Michele Castegnaro, VP for Strategic Industries, Africa, Alcatel-Lucent

Generose Tabaro, Manager, Oversight & Policy, Bank of Tanzania

Shivani Siroya, CEO, InVenture

Dr Fred Okeng’o Matiang’i, Cabinet Secretary, Ministry of Information, Communications and Technology, Kenya  

Zahir Khoja, VP Global Channels, Mastercard

Stephen Quaye, Founder & CEO, nanoCredit Technologies

13.30 – 15.30Delivering Affordable Access to the People of Africa 

There are four elements required to deliver affordable telecoms and internet services more broadly across African nations:

  • Reliable physical network infrastructure to provide the coverage and capacity needed by the population.
  • Affordable handsets and the ability to power them.
  • Suitable services priced at a rate that makes the mobile proposition worthwhile for end users.
  • The business models which can make delivering all this, at the right price for customers, a worthwhile proposition for the companies involved.

With rapid developments in technology and business models, how can we make affordable access a win-win for citizens and businesses? This session takes a deep dive into these concerns.

Speakers Include:

Dr Sonia Jorge, Executive Director, Alliance for Affordable Internet

John Garrity, Policy Advisor, Global Technology Policy, Cisco

Nicola D’Elia, Head of Growth – Africa, Facebook

Davidi Vortman, CEO & Founder, Lumos

Gerard Brandjes, Vice President, Sub-Saharan Africa, Microsoft Mobile Device Sales

Rufus Andrew, Managing Director, South Africa, Nokia Networks

Peter Panait Løjmand, SVP of Commercial Operations, Opera Software

George Ferreira, VP and COO, Samsung Electronics Africa

Elo Umeh, MD and CEO, Terragon Group 

Ryan Sher, COO, WIOCC

16.00 – 18.00Enabling a Digital Economy

To move towards a knowledge economy, citizens need the right environment to make the most of the opportunities available through digital communications. While there is a revolution under way in many African nations, there is still much to be done. As access to services spread, citizens need assistance in making the most of them. Meanwhile, to develop home-grown industries requires training digital entrepreneurs, improving access to funding and retaining talent in the country.

There is a rich variety of stakeholders with interests in promoting a strong local digital economy and skills base. With input from entrepreneurs at the ‘sharp end’, we examine how effective today’s players are in fostering a digital economy, what more needs to be done and how we can coordinate across the public and private sectors to make the most of their individual contributions.

Speakers Include:

Bradley Shaw, Entrepreneur & Lead Consultant, Bumblebee

Yaron Assabi, CEO, Digital Solutions Group

Douglas Mboweni, CEO, Econet Zimbabwe

Teddy Taylor, Consul General, U.S. Consulate in Cape Town

Brett Magrath, COO, Zoona

7 November

09.00 – 10.00Empowering the Digital Citizen

 As citizens gain more access to information and the ability to feed it back more effectively, the relationship between government and citizens is bound to change. Digital citizenship, open data and improved access to education, finance or healthcare are all elements that can create enthusiasm and activity around digital services, accelerating the country’s growth. It also creates better opportunities for governments to understand who their citizens are, what they do and what their needs are. 

Drawing on a number of outstanding examples, we investigate how the spread of digital services is changing the way government and citizen interact, asking what the implications will be for the future.  

Speakers Include:

Moderator: Brendan Smith, VP Professional Services, Vital Wave

Steve Vosloo, Head of Mobile, Pearson South Africa

Simon de Haan, Chief Engineer, Praekelt Foundation

Levi Goertz, COO & Co-Founder, VOTO Mobile

Klenam Koku Fiadzoe, Co-Founder & COO, Yougora Limited

10.30 – 11.30Protecting the Digital Citizen and State

While there are demonstrable benefits to an increase in mobile and internet penetration, benefits go hand in hand with the dangers of security risks and cyber-crime – both for the state and the citizens. What can critical actors do to encourage the development of digital citizenship while mitigating their country’s risk? And, in the post-Snowden era, what level of oversight into online activities is appropriate? With viewpoints and examples from leading figures, join in the debate here.

Speakers Include:

Alvin Rajoo, Business Development Director, 4C Group

Ciaran Bradley, SVP Solutions & Innovation, Adaptive Mobile

Jacqueline Fick, Executive: Forensic Services, CellC

Ibrahim Dikko, Director, Regulatory Affairs, Etisalat Nigeria

Brendan Smith, VP Professional Services, Vital Wave

11.30 – 12.30Closing Interviews: Accelerating Inclusive Economic Growth
It is clear that digital ecosystems can help support growth at all levels of the economic pyramid, under the right circumstances. This has already started to happen in some countries. However, what are the next steps? What are the key things that different parts of the ecosystem need from each other in order to proceed? How, in practice do we take forward the issues raised in this event and implement them in countries with very diverse social, economic, political and technological backgrounds? What changes do we want or need to see?

This session brings together many of the themes and debates from the event, inviting audience opinions and sharing visions and calls for action from key stakeholders.

Speakers Include:

Marufu Antony Chigaazira, Executive Secretary, CRASA

Alpesh Patel, Founder and Group CEO, Mi-Group International Ltd.

Patrick Kabagema, Board Member and Chairman of ICT Chamber, Private Sector Federation of Rwanda 


Back to Agenda Overview



The Connected Women initiative is an opportunity for some of the industry’s most successful women and men to champion the need to attract more female talent to the mobile industry and communicate the challenges and rewards, barriers, best practices, pitfalls and pinnacles.  The Co-Located Connected Women Africa Conference delved more deeply into the GSMA Connected Women programme and explored how the industry can accelerate the female mobile economy. Discussions drew on the initiatives of the GSMA to bring significant socio-economic opportunities and benefits to all women and to the mobile eco-system globally.  Bringing in high level speakers from across the global mobile ecosystem, the event showcased industry leadership, facilitate further discussion and build networks for future development. 

Sessions:  Held on Wednesday

Attendees:  Open to all conference pass holders 

5 November

10.30 - 10.45Opening Keynote: Defining the Female Digital Economy

Speakers Include:

Anne Bouverot, Director General, GSMA

10.45 - 11.00Women in the Mobile Ecosystem: the Imbalances and the Opportunities
This session will outline the current gender and digital skills gap across the mobile ecosystem and the business case for greater inclusion for women - as consumers, as employees, as entrepreneurs and as leaders.

Speakers Include:

Priya Jaisinghani, Acting Director, Center for Global Solutions, U.S. Global Development Lab, USAID

11.00 - 12.15Keynote: Identifying Key Barriers to Women’s Access to Mobile & Strategies for Improvement

Stimulus presentation:

This presentation will shed light on the key barriers to women’s access to mobile including affordability/costs, policy and regulatory issues, content, technical literacy, as well as social and cultural barriers.

Speakers Include:

Sylvia Mulinge, GM, Enterprise Business, Safaricom

Dr. (Mrs) Vijayalakshmy K. Gupta, Member, Telecom Regulatory Authority of India

Panel Discussion:

This panel discussion will look at some of the commercial and socio-economic benefits of women’s access to mobile. They will outline some strategies to improve women’s mobile adoption and uptake.

Moderator: Claire Sibthorpe, Director of Connected Women, GSMA

Speakers Include:

Carol Caruso, Senior Vice President - Channels and Technology, Accion

Alison Gilwald, Executive Director, Research ICT Africa

Marta Paiar, Head of Enterprise Strategy and Business Development, Safaricom

Christopher Burns, Acting Director of Digital Development, U.S. Global Development Lab, USAID

12.15 - 12.30Presentation: The Business Imperative for Greater Leadership and Diversity in ICT
There is a direct link between a diverse workforce, innovation and increased business opportunities. By tapping into a range of unique perspectives, companies can realise improve business strategy, greater competitive advantage and better consumer relations.

Speakers Include:

Marta Paiar, Head of Enterprise Strategy and Business Development, Safaricom

13.30 - 14.30Keynote: Bridging Vital Service Gaps & Collaborating with Crucial Vertical Industries
This session will include a case study from the mobile financial services industry, exploring how Value Added Services can be used to bridge service gaps, address gender and development issues and empower female users.  The following discussion will build on these themes, looking in particular at understanding the consumer.

Case Study Presentation:

Raadhika Sihin, Vice President, Public Policy, Africa, MasterCard

Panel Discussion:

Moderator: Sasha Twining, Television & Radio Presenter

Lisa Kienzle, Mobile Financial Services Program Director at Grameen Foundation

Kellen Eilerts, Country Director, HNI Madagascar

Andi Friedman, Managing Director, Mobenzi

Carol Caruso, Senior Vice President - Channels and Technology, Accion

Laszlo Barta, Chief Commercial Officer, Cellcard

14.30 - 14.45Presentation: The Economic Imperative – Driving Innovation and Entrepreneurship
This session will discuss the role of female entrepreneurship to drive innovation, job creation and re-investment in local economies. It will outline strategies to engage with, and empower female entrepreneurs, and highlight examples of best practice.

Speakers Include:

Regina Agyare, Founder, Soronko Solutions

14.30 - 15.15Panel Discussion: Addressing the Global Digital Skills Gap
This panel discussion will examine the challenges and opportunities facing the mobile industry in meeting the requirements of the future workforce and discuss the direction for successful digital skills development. Demystifying STEM subjects is increasingly discussed as a means to attract more female talent to mobile and digital. Finally and crucially, what can companies do to attract and retain more female talent?

Speakers Include:

Moderator: Sasha Twining, Television & Radio Presenter

Abi Jagun, Special Assistant to the Honourable Minister, Federal Ministry of Communication Technology, Nigeria

Margaret Burgraff, Vice President Quality, Certification, Tools and Validation, Mobile Communications Group, Intel

Catherine Luckhoff, CEO, HQ Africa

Martha Alade, President and Founder, Women in Technology in Nigeria

15.15 - 15.30Closing Remarks
Vicky Sleight, Senior Director, Member Services & Connected Women, GSMA

Back to Agenda Overview



GSMA Mobile for Development brings together mobile operator members, the wider mobile industry and the development community to drive commercial mobile services for underserved people in emerging markets.  Mobile for Development is comprised of ten different segments that are crucial to the success of the programme as a whole.  These include Mobile Money for the Unbanked (MMU), Connected Women, mAgri, mHealth, Mobile for Employment, Disaster Response, Digital Inclusion, Technology, mUtilities, and Personal Data.  Relevant sessions were offered that focused on convening stakeholders, sharing best practices and uncovering key learnings from the previous year. 

Sessions:  Held on Wednesday and Friday

Attendees:  Open to all conference pass holders

5 November

08.30 - 12.30M4D - Impact Workshop - Value Added Services (Invitation Only)
Invitation only.  This workshop will explore the challenges of and solutions to launching mobile VAS and the role Mobile for Development (M4D) VAS can play in serving underserved customer segments to support operator business goals.
10.30 - 12.30Use of the Mobile SIM and Related Technologies in M4D Services
This session will explore the nature of the mobile SIM and its related technologies and look at how it can be leveraged to enable and deliver M4D services. We will cover an overview of SIM technologies, look at a specific case study, its potential for use in M4D services and the ability to leverage identity, plus a look at related technologies STK, Java, PKI and NFC.
13.30 - 15.30From Rural to Urban: The Role of Mobile in Energy and Water Utility Services
From urban to rural areas, mobile networks have become the predominant infrastructure in emerging markets and more people are now covered by GSM networks than have access to energy and water. The presence of mobile signal provides opportunities to disrupt traditional utility services and drive the use of smart solutions from rural to urban markets. Join leading mobile operators, entrepreneurs, energy and water service providers and public sector players to hear why they are investing in the future of connected communities.
13.30 - 15.30Creating Value for Rural Subscribers: Innovations in Mobile Agriculture Space
Two panel sessions with practitioners would explore the market opportunity in mobile agriculture space, highlight successful Agri VAS and Agri MFS deployments and question scalability, sustainability and impact of those solutions.
16.00 - 18.00M4D Impact and Mozilla Workshop: Solutions to Local Content Value Added Services (Invitation Only)
This interactive, practical session will guide those working within mobile network operators through a potential solution to increasing local content creation. This is the third workshop in a series of events as part of the partnership between GSMA M4D Impact and Mozilla, which is considering the importance of local content in driving increasing data usage amongst mobile users in emerging markets. We will present a prototype version of ‘Appmaker’, before considering how operators ca partner with us to create pilots, technical integration points and digital skills training programmes. This session is invitation only, but if you would like to attend, please contact Alex Smith at [email protected]
18.00 - 21.00Mobile for Development Networking Cocktail (Located at Mondiall)
There will be an opportunity to network with other Mobile for Development enthusiasts at a cocktail event that will be held at Mondiall, which boasts stunning views of the Cape Town Waterfront and Table Mountain. Please feel free to come join us for a drink!  

7 November

13.30 - 15.30Responding to Ebola
The GSMA mHealth and Disaster Response programmes will co-host this session on the response to the Ebola crisis in West Africa. This session will focus on the current response efforts and the role that the mobile industry has been able to play. We will also explore efforts to track the spread of the disease through the analysis of Call Data Records (CDR data) and mobility patterns, and the potential impacts that this type of big data use could have on disaster response in the future. The session will evaluate lessons learned in the current response, and evaluate how the blueprint which has been created could enable increased preparedness for similar scenarios in the future.
13.30 - 15.30Unlocking the MSME Opportunity in Emerging Markets
The GSMA's MSME & Employment Programme aims to help mobile operators in emerging markets develop commercial mobile offerings for Micro, Small and Medium Enterprises (MSMEs)  in order to strengthen their participation in and contribution to the national economy. By leveraging mobile solutions for capacity building and skills development of MSMEs, as well as developing mobile tools that help MSMEs work productively and efficiently, mobile network operators can unlock a significant B2B market opportunity for businesses that are underserved.  Three speakers will discuss their experience in this space from the perspective of offering MSMEs in Tanzania training and access to finance in the consumer goods sector (Geoffrey Ndosi, Go Finance), a social enterprise providing mobile-based recruitment and human resources support to MSMEs (Arielle Sandor, Duma Works), and an expert on MSMEs in emerging markets. In the second half of the session Ronda Zelezny-Green will discuss the GSMA's MSME & Employment Programme, working with participants to unpack the opportunities and the barriers for mobile approaches with this market segment through case studies and product and service examples.
16.00 - 18.00South African Success in mHealth
The mHealth programme will be presenting the completion of its work in South Africa, which for the last 18 months has focused on maternal, newborn and child health, and which has convened stakeholders and brought together the mobile and health industries to map out end-to-end mHealth solutions. The initiative has culminated in the release of a series of practical working documents which are setting firm foundations for the scale up of mHealth in Africa. The success experienced in  South Africa has provided valuable lessons, which the mHealth programme is now replicating across its 3-year 10-country nutrition initiative in Sub-Saharan Africa, in the continual effort to promote large scale commercially sustainable mHealth partnerships.

Back to Agenda Overview



The MMU programme supports mobile money services to reach scale. Through close engagement with mobile money providers, the programme identifies and shares benchmark data, operational best practices, and commercially-viable interoperability approaches, as well as cultivating enabling regulatory environments.

Mobile Money for the Unbanked Global Event

The MMU Global Event furthered MMU programme objectives by discussing current best practices on mobile money, insights on new and innovative products and services and taking a look into the future of the mobile money ecosystem.  This programme brought together mobile money operators, industry experts, financial regulators and policy makers. 

Sessions:  Held on Wednesday

Attendees:  Sessions were regulated by invitations

5 November

09.00 - 9.10Opening Remarks

  • Zouhair Khaliq, Managing Director, Mobile for Development, GSMA

09.10 - 09.30The State of the Industry
Claire Scharwatt, Market Intelligence Manager, Mobile Money, GSMA
09.30 - 10.15Mobile Money Interoperability – Speaking from Experience
In 2014, mobile operators in a number of markets have been working to enable their mobile money customers to transact with each other, the two latest being Tanzania and Pakistan. So far, the most mature market to do this has been Tanzania, where Tigo and Airtel mobile money customers can now transact directly across the different deployments. In this session, we will hear Tigo explain their experience initiating this project, identifying the commercial arrangement and technical solution, as well as the results so far.

After the presentation there will be a short panel discussion with operators joining from Pakistan.

Speakers Include:

  • Moderator: Charles Niehaus, Payments Consultant, IFC
  • Andrew Hodgson, Head of Financial Services, Tigo Tanzania
  • Omar Moeen Malik, Head of Strategy, Projects & Product Development, EasyPaisa, Telenor Pakistan

10.45 - 11.45Building the Ecosystem: Rationale, Approach, Challenges
Moving beyond P2P, bill pay and airtime to embrace the ecosystem has the potential to greatly increase mobile money revenues and profitability. Operators are trying to capture and scale new use cases such as disbursements and G2P, transactions in various sectors (retail, transportation, agriculture…), digitization of supply chain payments etc. This session will give perspectives from different mobile money deployments on the prioritization and sequencing of their approach, what they are expecting to achieve and the challenges they are facing. It will also provide a snapshot of the different metrics for profitability and discuss how evolving to an ecosystem-based model is key to boosting mobile money margins and making the business sustainable over the long term.

Speakers Include:

  • Moderator: Yasmina McCarty, Commercial Director, Mobile Money, GSMA
  • Presenter:  Nicolas Vonthron, Commercial Manager, Mobile Money, GSMA
  • Michael Elliott, Programme Director, TechnoServe Kenya
  • Mohammed Yahya Khan, Chief Financial Services Officer & Head of Easypaisa, Telenor Pakistan
  • Rambert Namy, Group Director, Mobile Money, Ooredoo

11.45 - 12.30Moving to Scale in a Tough Market
The social and commercial opportunity of mobile money is its capacity to reach populations who are not currently served by the formal financial system. Much of this potential is in markets with weak physical and economic infrastructure, but the practicalities of delivering a mobile money service to these hard-to-reach areas has been a persistent challenge. Only a handful of providers have begun to unlock the potential and, in this session, three of these providers will address the challenges of reaching the unbanked in a tough market and explain how they are overcoming them.

Speakers Include:

  • Moderator: Tillman Bruett, Manager, Mobile Money for the Poor, UNCDF
  • Alban Luherne, Orange Money Director for Africa, the Middle-East and Asia, Orange
  • Felix Kamenga, Managing Executive Vodacom Business & Product Management, Vodacom DRC
  • Brett Magrath, COO, Zoona

13.30 - 14.30Merchant Payments: Ready to Scale?
Many mobile money operators see merchant payments as a major area of opportunity. However, despite more than 60 launches, traction in most markets has been limited. Are mobile money-enabled merchant payments ready to scale? If so, what does scale look like, and how can the industry overcome the complex and interrelated barriers to execution and investment?

Speakers Include:

  • Moderator: Chris Williamson, Senior Manager, Mobile Money for the Unbanked, GSMA
  • Ibrahim Abdirahman, Business Development Director, Telesom
  • Dylan Higgins, CEO & Co-Founder, Kopo Kopo
  • Eddie Chibi, Chief Sales and Customer Services Officer, EcoCash Zimbabwe
  • Alvin Okari, Senior Manager, M-PESA Product Development, Safaricom

14.30 - 15.15How Will Mobile Innovation Impact the Future of Mobile Money?
With increases in 3G/4G and smartphone penetration in developing markets, the future of mobile money will be shaped by innovations in data-enabled services. What will mobile money look like in five years’ time? What do providers need to do today to best position themselves for the future? This session will explore the innovations and disruptions in the mobile money ecosystem to stimulate a debate on the evolution of the industry.

Speakers Include:

  • Moderator: Mark Napier, Director, FSD Africa
  • Brett Loubser, Head of Marketing, WeChat Africa
  • David Damberger, New Product Development Strategy & Business Development Adviser, M-KOPA
  • Katerina Kyrili, Head of Business Development, Bima (Milvik)
  • Roan Murray, CEO, Switching House

15.15 - 15.30Concluding Remarks

  • Seema Desai, Head of Mobile Money, GSMA

16.00 - 17.00Breakout Session – Ecosystem APIs (Invitation Only)
17.00 - 18.00Breakout Session – The Future of Merchant Payments (Invitation Only)

6 November

13.30 - 15.00Breakout Session - Mobile Money 101: Introduction to Mobile Money (Invitation Only)
This session will be regulated by invitations, however all other attendees except press and media are welcome to express interest in attending. Please contact mmu@gsma.com for further information or to express interest in attending.
15.30 - 17.00Breakout Session - Do-it-Yourself Diagnostics and Data (Invitation Only)

Mobile Money for the Unbanked Leadership Forum (Invitation Only)

The 6th Mobile Money for the Unbanked Leadership Forum was accompanied by workshops on mobile money developments, new products and services and financial regulation within the industry.  This programme brought together mobile money operators, industry experts, financial regulators and policy makers. 

Sessions:  Leadership Forum was held on Friday with associated workshops throughout the week

Attendees:  Sessions were regulated by invitations.

5 November

16.00 - 17.00Preparatory Session – Introducing Mobile Money Interoperability (Invitation Only)
As interest in interoperability grows and more markets look to become interoperable, one of the main challenges is getting regulators and operators to agree on what interoperability means. This workshop will introduce the concept of interoperability and clarify some common misconceptions.

  • Gunnar Canmer, Senior Commercial Manager, Mobile Money, GSMA
  • Crystal Kaschula, Regulatory Manager, Mobile Money, GSMA
  • Charles Nieheaus, Consultant, IFC, Africa Region

17.00 - 18.00Preparatory Session – Proportional Risk-Based AML/CFT Regimes for Mobile Money (Invitation Only)
New payment methods like mobile money can improve financial inclusion and integrity if they are not weighed down by burdensome AML/CFT requirements. The Financial Action Task Force (FATF), the global standard-setting body for AML/CFT, encourages countries and financial institutions to adopt proportional, risk-based regulations. This session introduces participants to conducting a risk-based assessment of mobile money products.

  • Simone di Castri, Regulatory Director, Mobile Money, GSMA
  • Raadhika Sihin, Vice President, Public Policy, Africa, MasterCard

17.00 - 18.00Preparatory Session – Safeguarding Customer Funds (Invitation Only)
Mobile money providers are responsible for ensuring customer funds are protected against loss. A variety of measures for safeguarding customer funds have been adopted in countries with mobile money services, such as establishing trust accounts, depositing customer funds in one or more banks, and providing mobile money account holders with deposit insurance. This session will introduce participants to safeguarding customer funds and discuss regulatory approaches in selected countries.

  • Jeremiah Grossman, Regulatory Manager, Mobile Money, GSMA
  • Brian Muthiora, Regulatory Manager, Mobile Money, GSMA


6 November

13.30 - 14.45Preparatory Session – Building Data Architecture to Expand Mobile Financial Services (Invitation Only)
Mobile operators and mobile money providers’ design of their digital financial services strategies and operations is driven by the analysis of a range of data that they use to monitor outreach and understand customer needs. Policymakers and development partners are leading several domestic and international data initiatives that rely on the active participation of the private sector aiming at building a comprehensive data architecture to support digital financial inclusion. What are operators’ motivations and challenges in participating in these initiatives? This session will discuss the costs and benefits from the operator’s perspective, and identify the opportunities and pitfalls for collaboration between operators, development partners, and regulators.

Speakers Include:

  • Moderator: Lara Gidvani, Regulatory Manager, Mobile Money, GSMA
  • Abed Mutemi, Program Officer, Bill & Melinda Gates Foundation
  • Jeffrey Binstock, Chief Executive Officer, Microfinance Information eXchange
  • Lara Storm, Director, Financial Inclusion, Microfinance Information eXchange
  • Claire Scharwatt, Market Intelligence Manager, Mobile Money, GSMA

15.00 - 15.45Preparatory Session – Case Study: Enabling Mobile Money Policies in Kenya (Invitation Only)
In August 2014, Kenya issued its much-awaited National Payments System Regulations, codifying a range of regulatory and market conduct practices and validating the mobile money business model first launched in 2007. The following month, Kenya became the first country to rule substantively on a competition issue affecting mobile money: non-exclusive dealings with agents. This session will give participants insights into the regulatory issues in a mature mobile money market as the Central Bank of Kenya walks participants through the key features of the regulatory environment in Kenya following the passage of the NPS Regulations and the impact of the new regulatory framework on the market. In the first part of this session, the Central Bank of Kenya will review the key features of the NPS Regulations and the licensing model. In the second part of the session, the Competition Authority will discuss the competition dynamics affecting mobile money and the need to collaborate with financial services regulators in tackling competition issues.

  • Moderator: Brian Muthiora, Regulatory Manager, Mobile Money, GSMA
  • Mark Lesiit, Director, National Payments and Risk Management, Central Bank of Kenya

16.00 - 16.45Preparatory Session – Code of conduct for mobile money providers ( Invitation Only)
The GSMA today launched a Code of Conduct for Mobile Money Providers, outlining a series of common business principles to enable the development of safe and responsible digital financial services. The first mobile network operators (MNOs) to endorse the Code are Airtel, Avea, Axiata, Millicom, MTN, Ooredoo, Orange, Telenor, Vodafone and Zain. This session will provide participants with a brief history of the development of the Code of Conduct, describe the key provisions contained within the Code, and discuss next steps for operationalization of the Code's Principles.

Speakers Include:

  • Moderator: Simone di Castri, Regulatory Director, Mobile Money, GSMA
  • Jeremiah Grossman, Mobile Money Regulatory Manager, GSMA

7 November

09.00 - 10.00Leadership Forum Session 1: Digital Financial Inclusion: A Look into the Future
The mobile money industry has grown significantly in the last decade, with over 250 mobile money providers serving more than 100 million active customers in 88 countries. In several markets, mobile money has reached scale and become the primary infrastructure for sending and receiving payments. Interoperability, mobile based corridors for international remittances, and collaboration between stakeholders to bring savings, credit and insurance products to the unbanked are contributing to full digital financial inclusion and creating greater economic and social impact. The launch of new products by over-the-top players and the availability of new technologies have the potential to accelerate it even more. How will the digital financial ecosystem evolve, and how can policymakers create an environment that fosters innovation, competition, and widespread adoption of sound and responsible business practises?

Welcome and Opening Remarks:

  • Tom Phillips, Chief Regulatory Officer, GSMA

Speakers Include:

  • Moderator: Simone di Castri, Regulatory Director, Mobile Money, GSMA
  • Jason Lamb, Deputy Director, Financial Services for the Poor, Bill & Melinda Gates Foundation
  • Gregory Reeve, Chief Operations Officer, Mobile Financial Services, Millicom
  • Thomas Lammer, Senior Payment Systems Specialist, World Bank

10.00 - 11.00Leadership Forum Session 2: Implementing Interoperability
For mobile money to scale successfully as a digital payment solution, it needs to be as ubiquitous as cash or, in some markets, card schemes. To expand the mobile money ecosystem, the industry must enable transfers beyond a single operator scheme to allow customers to send transfers between wallets on different schemes and between wallets and banks. What have market participants achieved to date, and what steps need to be taken to reach full wallet-to-wallet and wallet-to-bank interoperability?

Speakers Include:

  • Moderator: Ahmed Dermish, Director of Regulation & Policy Practice, Bankable Frontiers Associates
  • Generose Tabaro, Manager, Oversight and Policy, Bank of Tanzania
  • Roar Bjaerum, Head of Easypaisa, Telenor, and Chair, GSMA Mobile Money Interoperability Programme Leadership Group
  • Andrew Hodgson, Chief Financial Officer, Tigo Tanzania (Millicom)

11.30 - 12.15Leadership Forum Session 3: Leveraging Mobile Wallets for International Remittances
As mobile money usage grows, there is increasing customer demand to use mobile wallets to send and receive funds across borders. This session will examine recently-launched and planned mobile services for cross-border payments (both remittances and payment for goods); explore the key regulatory issues in countries where cross-border mobile services have been launched or will soon be launched; and consider the regulatory challenges that need to be addressed to expand mobile-enabled cross-border payments.

Speakers Include:

  • Moderator: Christine Groeger, Assistant Director, Private Sector Development, Economic Engagement Branch, Global Partnership for Financial Inclusion, Department of Foreign Affairs & Trade, Australia
  • Jacques Brun, Payment & Contactless Project Manager, Orange
  • Serigne Dioum, Head of Mobile Financial Services, MTN

11.30 - 12.15Leadership Forum Session 4: Enabling Credit Through the Digital Finance Ecosystem
In August 2014, there were approximately 29 live mobile credit services offered globally and the number is growing. This expansion of the digital financial ecosystem has been driven by innovative partnerships that leverage the mobile payments infrastructure (especially MNO data) to determine credit worthiness, and distribution networks to disburse and collect funds. This session will identify key questions and opportunities for regulators and industry players enabling new credit services by exploring existing partnerships between MNOs, banks, microfinance institutions, and specialised data analytics firms.

Speakers Include:

  • Moderator: Michel Hanouch, Technology and Business Model Innovation, CGAP
  • Alvin Okari, Senior Manager, M-PESA Product Development, Safaricom

12.15 - 13.00Leadership Forum Session 5: The Migration from OTC to Mobile Money Wallets
As mobile money transactions continue to grow, one of the main challenges facing providers in some markets is migrating over-the-counter (OTC) users to mobile money wallets to improve the viability of their services. From the policymaker’s perspective, this migration is also important because wallets, more than OTC, pave the way for financial inclusion and building a digital financial ecosystem. This session will examine how regulation helps or hinders the migration of OTC customers to wallets, and how providers can drive wallet usage effectively.

Speakers Include:

  • Moderator: Greg Chen, Senior Financial Sector Specialist, CGAP
  • Yahya Khan, Chief Financial Services Officer & Head of Easypaisa, Telenor Pakistan
  • Subhanar Saha, Executive Director, Central Bank of Bangladesh

12.15 - 13.00Leadership Forum Session 6: The Payment of Interest
In many markets, regulators have treated mobile money as unique payments products (distinct from banking and other deposit-taking products) that are exempt from paying interest to customers. In February 2014, the Bank of Tanzania issued a circular stating that interest accrued on trust accounts should directly benefit mobile money customers. Seven months later, Tigo announced the Bank of Tanzania had approved the distribution of profits accumulated on the Tigo Pesa Trust Account to millions of users, making it the first mobile operator in the world to share its trust account profit directly with its customers. This session will discuss this market evolution, as well as the policy and regulatory considerations for permitting these payment.

Speakers Include:

  • Moderator: Tillman Bruett, Manager, Mobile Money for the Poor, UN Capital Development Fund
  • Andrew Hodgson, Chief Financial Officer, Tigo Tanzania (Millicom)

14.00 - 15.00Leadership Forum Session 7: Risk Mitigation
Mobile money providers often manage and mitigate risks using technology, such as secure networks, algorithms that identify suspicious transactions, and electronic audit trails, but some risks must be addressed directly by agents, staff, and managers. This session will explore how critical risks in the provision of mobile money services have been mitigated and discuss how to mitigate new risks as mobile money moves from closed-loop deployments to interoperable, open-loop ecosystems that connect with other mobile money providers, financial institutions, merchants, payment processors, and other ecosystem actors.

Speakers Include:

  • Moderator: Sergio de Sousa, Deputy Director – Policy, Research and Oversight, Bank of Namibia
  • Mads Gilde, Financial Services Compliance Officer, Telenor
  • Felix Kamenga, Managing Executive, Vodacom Business & Product Management, Vodacom DRC
  • Johan Taute, Manager, Financial Services and Security, Vodacom South Africa

15.15 - 15.45Leadership Forum Session 8: Ghana’s New e-money Regulation Opens the Door to Non-Banks
The Central Bank of Ghana recently approved a new regulation for electronic money issuers that enables non-banks to provide mobile money services. Previously, only a bank-based branchless banking scheme was allowed and interoperability was mandated. This session reviews the key features of the new regulation and reveals why Ghana changed its approach.

Speakers Include:

  • Moderator: Greta Bull, Principal Operations Officer, IFC
  • Clarence Blay, Manager, Payment System Policy, Bank of Ghana

15.45 - 16.15Leadership Forum Session 9: Building Sound and Inclusive Financial Ecosystems Through Mobile Money: The Way Forward
How can mobile money be integrated into the everyday life of the customer? How can mobile money providers and policymakers accelerate digital financial inclusion and the development of the digital ecosystem? This final session will review the lessons from the previous panels and chart the way forward for different market players.

Speakers Include:

  • Moderator: Simone di Castri, Regulatory Director, Mobile Money, GSMA
  • Nathan Naidoo, Senior Manager, Policy and Regulation, Vodafone Enterprise, Vodafone

Back to Agenda Overview



As the ITU WRC-15 approaches, 2015 is shaping up to be a busy year ahead for regulators across Africa. Additionally, as many countries work to meet the DTT switchover deadline, future proofing access to the internet for the next decade has become an area of great debate. This session aimed to provide a platform for key stakeholders to discuss the future of spectrum allocation within Africa, evaluating the most effective use of spectrum so that it may deliver long-term benefits to all Africans.

Session:  Held on Friday

Attendees:  Open to all conference pass holders except press and media

7 November

08.20 - 08.30Drivers for Availability and Affordability of Mobile Broadband
Mortimer Hope, Director Spectrum and Public Policy Africa, GSMA

Spectrum harmonisation and economies of scale are key prerequisites for the availability of reliable and affordable mobile broadband. Understanding how spectrum policy can contribute to delivering national ICT policy objectives can help drive growth in African economies and societies.

08.30 - 09.30Panel Discussion: Expanding Access to Mobile Broadband: What Needs to Happen Next?
Hear from governments, regulatory authorities and industry representatives on long-term solutions for the widespread provision of mobile broadband services across Sub-Saharan Africa.


Thought leaders and industry experts from the most influential companies within the expanding mobile value chain addressed topics through visionary keynote presentations, thought-provoking interviews and interactive panel discussions.


Conference speakers for Mobile 360 Series - Africa included:





Registration for Mobile 360 Series – Africa is now closed. Thank you for your interest in this event!



Where was Mobile 360 Series – Africa held?

The event took place at The Clock Tower Conference Centre, located at Level 1 & 2, South Arm Road, V&A Waterfront, Cape Town

What were the event dates?

Wednesday, 5 November – Friday, 7 November, 2014

Should I have any health concerns about travelling to this event?

We are very much looking forward to the Mobile 360-Africa event in early November and expect that it will be extremely well attended.

We are of course watching the Ebola virus situation very closely and are regularly monitoring advice from the World Health Organisation (WHO), who on 8 August released a statement following a meeting of the International Health Regulations Emergency Committee that included a recommendation that there should be no general ban on international travel or trade.

South Africa is not an affected area; however due to the outbreak of the Ebola virus in west Africa, the South African government has announced travel restrictions for people travelling to and from affected countries. Therefore, Mobile 360 attendees should anticipate that they could experience extra screening at ports of entry.

We are continuing to monitor the situation and should advice from the WHO or the South African government change, we will adjust our guidance accordingly.



What types of passes were available? What did the pass give access to?

A sinlg pass type was available for the GSMA Mobile 360 Series – Africa. This pass included access to all conference sessions, daily lunches and networking breaks on 5 – 7 November, 2014.

Do I need a Visa for Cape Town?

Please click here for South Africa Visa Info or contact the South Africa consulate / embassy in your country to check if you require a visa for Cape Town.

Please note that it is recommended that you check the full requirements for a visa application, allowing plenty of time to provide the necessary documentation from the institution the application is being processed through.

GSMA are not liable for visa issuance / outcome and any visa application result is beyond GSMA’s control.  However, you may contact our Registration team for a Visa invitation letter. 

Please refer to our Terms & Conditions for cancellation conditions. GSMA will not refund registration fees in case of applicant’s failure to obtain a visa.

What are the Event Terms and Conditions?

To view the Event Terms and Conditions, please click here.

What is the Cancellation or Substitution Policy?

ALL SALES ARE FINAL. Cancellations, as well as 'no shows', will be liable for the FULL registration fee. NO REFUNDS SHALL BE GIVEN. Cancellation of travel reservation and hotel reservation are the exclusive responsibility of the registrant.

Substitutions between attendees from the same company and at the same invoice address may be made by providing the GSMA with written notice of the name of the original attendee and full details of the substitute attendee. To arrange a substitution, please e-mail full details to [email protected] .

To read our complete event terms please visit the Terms and Conditions.


Were hotel rooms included in the Mobile 360 Series – Africa Pass?

No.  Nearby accommodations were suggested, but securing and paying for rooms was the responsibility of the attendee.

Where can I find more information about Cape Town?
What’s the weather like in Cape Town during November?

The daily temperature averages 18C / 65F.

What’s the nearest airport?

The city is served by Cape Town International Airport (CPT). 


What types of sessions were available?

Mobile 360 - Africa included an interesting mix of keynote sessions, panel discussions, pitch presentations and case studies, allowing plenty of time for audience participation.

Will conference presentations be made available?

We always make conference presentations available to attendees. However, not all speakers make their presentations available for download. Details on how to access presentations will be shared at the event.

Where can I find more information about the Mobile Money for the Unbanked (MMU) programme?


What if I still have unanswered questions?

Please contact us! We’re active on social media (FacebookTwitter, etc) and we’ve got a contact form further down on this page. Reach out, and we’ll respond to you as soon as possible!

Sponsors & Partners

Being a sponsor of Mobile 360 Series – Africa event allowed companies to showcase their leadership in Cape Town and throughout Africa. Click the button below to download a PDF of sponsorship opportunities that were available in 2014.




Platinum Sponsor

Registration Sponsor

Coffee Break Sponsor

Official Media Partners




Global Partner

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