Distribution 2.0: The Future of Mobile Money Agent Distribution Networks

This study was conducted to better understand how providers in the digital financial services (DFS) ecosystem are using various tactics to respond to the opportunities and challenges in their agent distribution networks. These DFS providers include mobile money providers, banks, agent network managers, fintech companies, microfinance institutions, and technology aggregators.

The main focus of the study was what providers are doing differently to boost revenue margins from higher agent activity rates, higher quality agents, and increased service adoption. The study also explored how providers have been responding to agent needs for long-term profitability, support services, and greater business opportunities. This report documents these initiatives and how they are helping to usher in a new era of agent distribution networks.