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Agile Computing Authors: Gregor Petri, Elizabeth White, Liz McMillan, Kevin Benedict, Adrian Bridgwater

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Laut globaler GSMA-Umfrage zur Verbreitung von Mobile Money gab es im Jahr 2012 weltweit 30 Millionen aktive Mobile-Money-Kunden

- GSMA-Studie zeigt, dass es in Kenia, Madagaskar, Tansania und Uganda mehr Mobile-Money-Konten als Bankkonten gibt; 224 Millionen Transaktionen im Gesamtwert von 4,6 Milliarden USD wurden innerhalb eines Monats über Mobile-Money-Plattformen abgewickelt

BARCELONA, Spanien, 27. Februar 2013 /PRNewswire/ -- Das MMU-Programm (Mobile Money for the Unbanked) der GSMA veröffentlichte heute die Ergebnisse der zweiten jährlichen Umfrage zur globalen Verbreitung von Mobile Money. Der Bericht nimmt die Lage der Mobile-Money-Branche im Jahr 2012 unter die Lupe und enthält wichtige Erkenntnisse aus dem sogenannten Mobile Money Deployment Tracker des Programms. In dieser Datenbank wird die Zahl der bereits aktiven und geplanten Mobile-Money-Dienste für Menschen ohne Bankverbindung in aller Welt erfasst. Die jährliche Umfrage wurde entwickelt, um sich in quantitativer Hinsicht mit der Lage der Mobile-Money-Branche auseinanderzusetzen und Mobile-Money-Anbietern einen Maßstab für die eigenen Leistungen zu bieten.

Die Studie zeigt, dass die Zahl der aktiven Mobile-Money-Nutzer beträchtlich gestiegen ist: Allein im Juni 2012 wickelten 30 Millionen Menschen 224,2 Millionen Transaktionen im Gesamtwert von 4,6 Milliarden USD ab. Dies übertraf den Wert von 196,3 Millionen Transaktionen, die Paypal-Kunden während der Monate des 3. Quartals 2012 im Durchschnitt tätigten [1]. Die Studie zeigt auch, dass die Mobile-Money-Branche mit beispielloser Geschwindigkeit wächst. Insgesamt existieren bereits 150 Mobile-Money-Dienste für Menschen ohne Bankverbindung, wovon 41 im Jahr 2012 ins Leben gerufen wurden. Darüber hinaus nimmt der Wettbewerb innerhalb der Branche weiter zu: Auf 40 verschiedenen Märkten sind mittlerweile mindestens zwei verschiedene Mobile-Money-Dienste verfügbar.

„Die gesellschaftliche Bedeutung von Mobile Money wurde bereits umfassend dokumentiert und unser Vorjahresbericht enthielt erstmals globale Richtwerte bezüglich der Anzahl von Kunden, die Mobile Money in Anspruch nehmen", so Chris Locke, Geschäftsführer von GSMA Mobile for Development. „Nach unserer zweiten Umfrage zur globalen Verbreitung von Mobile Money können wir noch genauere Angaben über die Kundenzahl und die Art und Weise machen, wie Kunden diese Dienste in der Praxis nutzen. Noch wichtiger sind aber vermutlich die Erkenntnisse darüber, wie erfolgreiche Betreiber aufgestellt sind und Mobile Money handhaben, um den Erfordernissen dieser Kunden Rechnung zu tragen."

Rasantes Wachstum, insbesondere in Subsahara-Afrika
Im Bericht wird die Zahl von 81,8 Millionen registrierten Kunden weltweit genannt. Die Zahl der Einrichtungen stieg auf globaler Ebene um fast 38 Prozent, wobei immer mehr Einrichtungen auch in signifikante Größenordnungen vorstoßen. Überdies werden im Bericht sechs verschiedene Dienste genannt, die in den vergangenen 12 Monaten über 1 Million aktive Kundenkonten verzeichnen konnten. Drei dieser Dienste haben die Schwelle von 1 Million aktiven Kunden bereits übertroffen. Die Zahl der aktiven Kundenkonten steigt mittlerweile in rasantem Tempo, was ein positives Anzeichen dafür ist, dass sich Kunden der Vorteile von Mobile-Money-Diensten bewusst sind.

In Subsahara-Afrika gibt es 56,9 Millionen registrierte Kunden – und im Juni 2012 wurden in dieser Region doppelt so viele Mobile-Money-Nutzer wie Facebook-Nutzer verzeichnet. Hinsichtlich der geografischen Verteilung wurde festgestellt, dass bereits mehr als die Hälfte aller Länder Subsahara-Afrikas über aktive Einrichtungen verfügt und 37 Prozent der 166 Mobilnetzbetreiber der Region Mobile-Money-Angebote eingeführt haben. Mobile-Money-Dienste sind in 34 von 47 Ländern dieser Region verfügbar. Die Marktdurchdringung wird innerhalb der Region weiter zunehmen, da die Mehrzahl der geplanten Vorhaben ebenfalls auf Subsahara-Afrika entfällt.

Mobile Money trägt zur finanziellen Inklusion bei
Die im Bericht aufgeführten Daten lassen auch interessante Rückschlüsse über den Beitrag von Mobile Money zur finanziellen Inklusion weltweit zu. In Kenia, Madagaskar, Tansania und Uganda gibt es mittlerweile mehr Mobile-Money-Konten als Bankkonten und in mindestens 28 weiteren Ländern mehr Mobile-Money-Außenstellen als Bankniederlassungen. Mit über 520.000 registrierten Außenstellen gibt es mittlerweile auch genauso viele Mobile-Money-Einrichtungen wie Western-Union-Verkaufsstellen. In einigen Ländern macht der Gesamtwert aller Mobile-Money-Transaktionen sogar einen signifikanten Anteil am gesamten BIP des jeweiligen Landes aus. Im Juni 2012 entfiel ein Anteil von über 60 Prozent des gesamten BIP Kenias auf derartige Transaktionen; in Tansania waren es über 30 Prozent des BIP und in Uganda über 20 Prozent des BIP.

Locke ergänzte: „Während die Mobile-Money-Branche weiter an Reife gewinnt, ist davon auszugehen, dass Mobile Money auch zusätzliche soziale und finanzielle Vorteile mit sich bringen wird – und diesen fantastischen Fortschritt werden wir weiterhin verfolgen."

Hinweise an Redakteure
Methodik: Standardisierte Betriebskennzahlen von 78 Mobile-Money-Einrichtungen aus 49 Ländern wurden berücksichtigt. Der vollständige Fragebogen inklusive Auflistung und Erklärung der Kennzahlen ist im Bericht enthalten. Die im Zuge dieser Umfrage gesammelten Antworten wurden intern auf Widerspruchsfreiheit geprüft. Daten aus Selbstberichten wurden seitens der GSMA jedoch keiner weiteren unabhängigen Prüfung unterzogen.

[1] https://www.paypal-media.com/about

Der vollständige Bericht ist hier abrufbar: http://www.gsma.com/mobilefordevelopment/state-of-the-industry-2012. Nähere Informationen zum MMU-Projekt sind hier zu finden: http://www.gsma.com/mobilefordevelopment/programmes/mobile-money-for-the-unbanked

Informationen zur GSMA
Die GSMA vertritt die Interessen von Mobilfunkbetreibern aus aller Welt. In über 220 Ländern vereint die GSMA fast 800 weltweite Mobilfunkbetreiber und mehr als 230 Unternehmen aus dem erweiterten Umfeld des Mobilfunks, darunter Mobilgerätehersteller, Softwareunternehmen, Ausrüstungshersteller und Internetunternehmen sowie Unternehmen aus verschiedensten Branchensektoren wie beispielsweise Finanzdienstleistungen, Gesundheit, Medien, Transport und Energieversorgung. Die GSMA organisiert außerdem branchenweit führende Veranstaltungen wie beispielsweise den Mobile World Congress und die Mobile Asia Expo.

Weitere Informationen finden Sie auf der GSMA-Verbandswebsite unter www.gsma.com oder auf Mobile World Live, dem Onlineportal für die Mobilfunkbranche, unter www.mobileworldlive.com

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