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Agile Computing Authors: Jim Taylor, Pat Romanski, Greg Dickinson, Dana Gardner, Adrian Bridgwater

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La encuesta global sobre la adopción del dinero móvil de la GSMA identifica 30 millones de clientes de dinero móvil

- La encuesta global sobre la adopción del dinero móvil de la GSMA identifica 30 millones de clientes de dinero móvil activos a nivel mundial en 2012

- El estudio de la GSMA muestra que hay más cuentas de dinero móvil que cuentas bancarias en Kenia, Madagascar, Tanzania y Uganda. En un solo mes se procesaron en plataformas de dinero móvil 224 millones de transacciones que ascienden a 4 600 millones de dólares

BARCELONA, España, 27 de febrero de 2013 /PRNewswire/ -- El programa de Dinero móvil para las personas no bancarizadas. (Mobile Money for the Unbanked, MMU) de la GSMA ha publicado hoy las conclusiones de su encuesta global anual sobre la adopción del dinero móvil. El informe analiza el estado del sector del dinero móvil en 2012 y presenta conclusiones clave del Rastreador de despliegue de dinero móvil del programa (Mobile Money Deployment Tracker), una base de datos que supervisa el número de servicios de dinero móvil activos y planificados para las personas no bancarizadas en todo el planeta. La encuesta anual se realizó para cuantificar el estado del sector del dinero móvil y para permitir a los proveedores de dinero móvil evaluar su rendimiento.

El estudio pone de manifiesto que la cantidad de usuarios de dinero móvil activos creció de forma impresionante; más de 30 millones de personas llevaron a cabo 224,2 millones de transacciones que ascienden a 4 600 millones de dólares solo durante el mes de junio de 2012. Esta cifra supera los 196,3 millones de transacciones que realizaron los clientes de Paypal por término medio cada mes durante el tercer trimestre de 2012[1]. El estudio demuestra que el sector del dinero móvil sigue expandiéndose a un ritmo sin precedentes, con 150 servicios de dinero móvil activos para las personas no bancarizadas, 41 de los cuales se lanzaron en 2012. Además, el sector también se está volviendo cada vez más competitivo, con 40 mercados en los que se ha identificado que hay como mínimo dos servicios de dinero móvil diferentes disponibles.

"La repercusión social del dinero móvil ya está bien documentada, y nuestro informe del año pasado ofreció las primeras referencias a nivel mundial sobre cuántos clientes utilizaban dinero móvil", explica Chris Locke, director general de GSMA Mobile for Development. "Después de nuestra segunda Encuesta sobre la adopción del dinero móvil, podemos compartir información más detallada sobre el número de clientes, sobre cómo utilizan realmente el servicio estos clientes y, lo que quizás resulta más importante, sobre cómo se posicionan y cómo gestionan el dinero móvil los operadores de éxito para satisfacer las necesidades de estos clientes".

Crecimiento rápido, especialmente en el África Subsahariana
El informe contó 81,8 millones de clientes registrados en todo el mundo y, con un aumento del número total de despliegues a nivel mundial de casi el 38 por ciento, un creciente número de despliegues también están consiguiendo una escala significativa. El informe identificó seis servicios con más de un millón de cuentas de cliente activas y, en los últimos 12 meses, tres de estos servicios han cruzado el umbral del millón de clientes activos. Actualmente, el número de cuentas de cliente activas crece rápidamente, lo que es un signo positivo que indica que los clientes se están dando cuenta de las ventajas de los servicios de dinero móvil.

Hay 56,9 millones de clientes registrados en el África Subsahariana y, en junio de 2012, había el doble de usuarios de dinero móvil que de usuarios de Facebook en esa región. En términos de extensión geográfica, más de la mitad de todos los países del África Subsahariana disponen de despliegues activos y el 37 por ciento de los 166 operadores de redes móviles de la región ya han lanzado servicios de dinero móvil. Los servicios de dinero móvil están disponibles en 34 de los 47 países de esa parte del mundo y la introducción seguirá creciendo en la región, puesto que la mayoría de despliegues planificados también se encuentran en el África Subsahariana.

Contribución del dinero móvil a la inclusión financiera
Algunos datos del informe ofrecen una visión interesante sobre la contribución del dinero móvil a la inclusión financiera a nivel mundial. Actualmente hay más cuentas de dinero móvil que cuentas bancarias en Kenia, Madagascar, Tanzania y Uganda, y más locales de agentes de dinero móvil que sucursales bancarias en al menos 28 países. Con más de 520 000 locales de agentes registrados, actualmente hay tantos locales de dinero móvil como puntos de venta de Western Union. Además, en algunos países, el valor total de las transacciones de dinero móvil equivale a una proporción considerable del PIB total del país; en junio de 2012, equivalía a más del 60 por ciento del PIB de Kenia, más del 30 por ciento del PIB de Tanzania, y más del 20 por ciento del PIB de Uganda.

Locke añade que "a medida que el sector del dinero móvil va madurando, podemos esperar ver tanto las ventajas sociales como las financieras del aumento del dinero móvil y seguiremos realizando un seguimiento de este fantástico progreso".

Notas a los editores
Metodología: 78 despliegues de dinero móvil de 49 países proporcionaron métricas operativas estandarizadas. El informe incluye el cuestionario completo, con la lista de métricas y sus definiciones. Se ha comprobado la coherencia interna de las respuestas obtenidas en esta encuesta, pero todos los datos los proporcionan directamente los encuestados y la GSMA no los ha verificado de forma independiente.

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

Encontrará una copia completa del informe en: http://www.gsma.com/mobilefordevelopment/state-of-the-industry-2012. Encontrará más información sobre el proyecto MMU en: http://www.gsma.com/mobilefordevelopment/programmes/mobile-money-for-the-unbanked

Acerca de la GSMA
La GSMA representa los intereses de los operadores móviles de todo el mundo. Presente en más 220 países, la GSMA reúne a casi 800 de los operadores de telefonía móvil del mundo con más de 230 empresas del más amplio ecosistema de la telefonía móvil, incluidos fabricantes de equipos, empresas de software, proveedores de equipos y empresas de Internet, así como organizaciones de sectores como los servicios financieros, la sanidad, los medios de comunicación, el transporte y los servicios públicos. La GSMA también organiza eventos líderes en el sector como el Mobile World Congress y la Mobile Asia Expo.

Para obtener más información, visite la página Web empresarial de la GSMA en www.gsma.com o Mobile World Live, el portal en línea del sector de las comunicaciones móviles, en www.mobileworldlive.com

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