Mobile Money in West Africa – A Case Study

The Mobile Money Solution in West Africa

The word was out on the street, everyone was talking about it, the main rival had just launched their Mobile Money platform.

The challenge was to provide a full-feature, flexible, mobile money platform for a leading operator in West Africa, and have it up and running in 6 months!

This leading operator could not afford to let their main competitor be the only mobile money provider in the country. They had to launch a full-featured platform as soon as humanly possible.

Why Were Mobile Money Services So Much in Focus in Western Africa?

Mobile money provides banking services to people who have no access to banks. Customers had little or no access to traditional banking services. However, millions of people use mobile phones daily and creating a bank account based on their mobile account is the perfect solution for them. The exceptional proliferation of mobile phones created the access needed to banking solutions – the mobile phone access. In addition, credit card penetration was very low and mobile money solutions simply replace the service of credit cards because mobile phones are much more accessible to customers, and constantly in their hands and part of their lives.

Mobile Money Project Key Success Factors

  • Time to Market Launch – less than 6 months
  • Integration with existing service provider IT platforms
  • Support for the field distribution channel
  • Web management tools and USSD access
  • Complete management of mobile money from USSD interface
  • Enhanced reporting
  • No compromise – a full feature mobile banking solution
After getting the opportunity from this operator we deployed a complete end-to-end mobile money platform that performs all required cash-in and cash-out capabilities.



The platform included flexible commissioning to accommodate multi-level participants in the process of mobile banking. The dealer management applications are accessed by web for computers and smartphones and at the same time by USSD for the very common feature phones. As expected in 4G networks, the platform included an easy to use self-care application available again both via a web interface or using USSD.

What's happening in your field right now?

We regularly publish articles that will affect the way you work and think on BD Academy.

Case Study of a Banking MVNO

June 18, 2018

Mobile Banking Services = Banking + Mobile Communications Providing mobile banking services allows banks to significantly enhance the convenience, flexibility, accessibility, and affordability of their banking services. Money has been moving to the digital ecosystem for the last 25 years, with the arrival of internet banking, banking applications, and even … read more

Three Approaches to Bringing the Next Generation BSS Solutions

December 2, 2018

Three Approaches to Bringing the Next Generation BSS Solutions to your Company So, you already know that your company needs more support from the business support systems and enhanced capabilities. You’re looking to support the launch of new services and to upgrade customer service and billing capabilities. Your existing systems … read more

Are You Being Held Hostage by Your Business Software Provider?

January 17, 2019

Check your symptoms If you score positive on three of the five symptoms you may consider yourself a hostage. Symptom 1: Small changes, Big costs Adding a field to an existing entity, Connecting a new data source or just about any functional change will result in a lengthy impact assessment … read more

Don’t just take our word for it.

We’ve worked with some great companies.

Would you like to know more about our product or services?

We'll show you how we can make a difference.

  • This field is for validation purposes and should be left unchanged.