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Published On: Sat, Jun 17th, 2017

Somaliland:Always Moving, Always Sharing-Report

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A lack of international investment has enabled Somaliland to nurture, from the ground up, a locally unique and broadly successful mobile-money ecosystem. Spurred by zero commissions and a distinct lack of convenient alternatives, Telesom’s Zaad and Somtel’s e-Dahab are enabling new mobile money practices and behaviours that will reverberate well beyond its borders. 

The following report, commissioned by the Bill & Melinda Gates Foundation, puts the adoption of mobile money into a social, economic and cultural perspective. Reading this report you’ll better understand:

  • The rapid rate of adoption
  • The disparity between formal growth rate and what is happening on the ground
  • What it will take to have broad impact on financial inclusion
  • The challenges ahead

Note: This report was commissioned, and research completed, in mid-2015. Recent changes in the financial landscape are therefore not reflected in our findings. 


Download Report  (14MB)

The 84-page report, includes 10 charts, 52 photos & an executive summary.

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