Interoperability of mobile money: International experience and recommendations for Mozambique

Policy brief State and Mobile money

  • Interoperability – the ability for mobile money operators to interconnect to each other and to the banking system – is expected to offer benefits to consumers and the market.
  •  The introduction of interoperability between mobile money operators has been varied across developing countries.
  •  In Mozambique, there is no interoperability between mobile money providers, but partial interoperability between the latter and commercial banks is emerging.
  • This brief presents several recommendations for the Bank of Mozambique to encourage mobile money uptake and introduce clearer rules and regulations in the market.
  • It concludes that mandating interoperability in Mozambique at this stage is risky