IFC Mobile Money Study 2011 : Thailand

Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing ban...

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Main Author:	International Finance Corporation
Format:	Working Paper
Language:	English en_US
Published:	Washington, DC 2015
Subjects:	ACCESS TO ATM ACCESS TO ATMS ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESSIBILITY ACCOUNTING ADVISORY SERVICES AFFILIATES AGRICULTURAL COOPERATIVES ANTI-MONEY LAUNDERING ATM CARD ATM CARDS ATM NETWORK ATM NETWORKS ATM PENETRATION AUTOMATED TELLER MACHINES B2B BALANCE INQUIRIES BALANCE INQUIRY BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK CHARGES BANK CUSTOMER BANK CUSTOMERS BANK DEPOSITS BANK OF THAILAND BANK SERVICES BANKING INDUSTRY BANKING NETWORKS BANKING SECTOR BANKING SERVICE BANKING SERVICES BANKING SYSTEM BANKS BUSINESS CENTERS BUSINESS DEVELOPMENT BUSINESS INPUTS BUSINESS MODEL BUSINESS MODELS BUSINESS NEEDS BUSINESS OWNER BUSINESS SECTORS BUSINESS STRATEGIES BUSINESS STRATEGY BUSINESS SUCCESS BUSINESS TO BUSINESS BUSINESS TRANSACTIONS BUSINESS-TO-BUSINESS CAPABILITIES CASH MANAGEMENT CASH PAYMENT CASH PAYMENTS CASH WITHDRAWAL CASH WITHDRAWALS CELL PHONES CENTRAL BANK OF SRI LANKA CHECKING ACCOUNT CHECKING ACCOUNTS COMMERCIAL BANKS COMMUNICATIONS TECHNOLOGY COMPETITIVENESS CONSUMER GOODS CONSUMER PROTECTION COOPERATIVES CREDIT CARD CREDIT CARDS CREDIT GUARANTEE CREDIT UNIONS CUSTOMER BASE CUSTOMER SERVICE DEBIT CARD DEBIT CARDS DEPOSIT DEPOSITS DEVELOPMENT BANK DISTRIBUTION NETWORKS E-BANKING E-DOCUMENTS E-MONEY E-PAYMENT E-PAYMENTS EARNINGS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIES OF SCALE ELECTRONIC COMMERCE ELECTRONIC DATA ELECTRONIC MONEY ELECTRONIC PAYMENT ELECTRONIC TRANSACTION ELECTRONIC WALLET ELECTRONIC WALLETS EMPLOYEE ENTERPRISE DEVELOPMENT ENTREPRENEUR ENTREPRENEURS EXCHANGE RATE EXPATRIATE FARMERS FINANCE COMPANIES FINANCES FINANCIAL ACCESS FINANCIAL DEVICES FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FIXED COSTS FOREIGN BANKS FORMAL BANKING FORMAL BANKING SYSTEM FORMAL FINANCIAL SERVICES GENDER GOVERNMENT OFFICE GOVERNMENT OFFICES GOVERNMENT POLICY HOUSEHOLDS HOUSING ICT ID IDENTIFICATION NUMBER IDENTITY MODULE INCOME DISTRIBUTION INCOME GROUPS INEQUALITY INITIAL INVESTMENT INSURANCE INTERNAL BUSINESS INTERNATIONAL FINANCE INTERNATIONAL LAW INTEROPERABILITY INVENTORY INVESTMENT OPPORTUNITIES ISLAMIC BANK JOINT VENTURE KEY CHALLENGES LAWS LICENSE LICENSES LOAN MANAGEMENT ACCOUNTING MARKET SEGMENT MARKET SEGMENTS MARKETING MASS MARKET MASS TRANSIT MATERIAL MEDIUM ENTERPRISES MERCHANT MERCHANTS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MICROFINANCE LOANS MIGRATION MOBILE ACCESS MOBILE COMMUNICATIONS MOBILE NETWORK MOBILE PHONE MONEY TRANSFER MORTGAGE NEW BUSINESS NEW COMPANY NEW ENTRANTS NEW TECHNOLOGIES NICHE MARKET OUTREACH OUTSOURCING PACKET RADIO PACKET RADIO SERVICE PAYMENT METHODS PAYMENT PROCESSORS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PAYMENT TRANSACTIONS PEER REVIEW PENSIONS POINT OF SALE POINT-OF-SALE PROFITABILITY PROJECT MANAGEMENT PROPRIETORSHIPS PROTOCOL PUBLIC TRANSPORT PUBLIC TRANSPORTATION QUERIES RECEIPTS RECESSION REFUGEES REGULAR PAYMENTS REGULATORY ENVIRONMENT REGULATORY FRAMEWORK RELIABILITY REMITTANCE REMITTANCES RETAIL CONSUMER REVOLVING FUNDS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS BANK SEARCH SECURE PLATFORM SECURITIES SERVICE PROVIDER SERVICE PROVIDERS SMALL BUSINESS SMALL BUSINESSES SMALL FARMER SMALL FARMERS SMALL-VALUE TRANSACTIONS SOURCE OF INFORMATION START-UP SUBSIDIARY SUPERMARKET SUPPLY CHAIN TAX CREDITS TELECOM TELECOMMUNICATIONS TELECOMMUNICATIONS EQUIPMENT TELECOMMUNICATIONS INDUSTRY TERRORISM URBAN AREAS URBANIZATION USER USERS USES VALUE CHAIN VILLAGE VILLAGE FUNDS VILLAGES VOIP WAGES WIRELESS APPLICATION PROTOCOL
Online Access:	http://documents.worldbank.org/curated/en/2011/01/24115962/thailand-ifc-mobile-money-study-2011 http://hdl.handle.net/10986/21744

id	okr-10986-21744
recordtype	oai_dc
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English en_US
topic	ACCESS TO ATM ACCESS TO ATMS ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESSIBILITY ACCOUNTING ADVISORY SERVICES AFFILIATES AGRICULTURAL COOPERATIVES ANTI-MONEY LAUNDERING ATM CARD ATM CARDS ATM NETWORK ATM NETWORKS ATM PENETRATION AUTOMATED TELLER MACHINES B2B BALANCE INQUIRIES BALANCE INQUIRY BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK CHARGES BANK CUSTOMER BANK CUSTOMERS BANK DEPOSITS BANK OF THAILAND BANK SERVICES BANKING INDUSTRY BANKING NETWORKS BANKING SECTOR BANKING SERVICE BANKING SERVICES BANKING SYSTEM BANKS BUSINESS CENTERS BUSINESS DEVELOPMENT BUSINESS INPUTS BUSINESS MODEL BUSINESS MODELS BUSINESS NEEDS BUSINESS OWNER BUSINESS SECTORS BUSINESS STRATEGIES BUSINESS STRATEGY BUSINESS SUCCESS BUSINESS TO BUSINESS BUSINESS TRANSACTIONS BUSINESS-TO-BUSINESS CAPABILITIES CASH MANAGEMENT CASH PAYMENT CASH PAYMENTS CASH WITHDRAWAL CASH WITHDRAWALS CELL PHONES CENTRAL BANK OF SRI LANKA CHECKING ACCOUNT CHECKING ACCOUNTS COMMERCIAL BANKS COMMUNICATIONS TECHNOLOGY COMPETITIVENESS CONSUMER GOODS CONSUMER PROTECTION COOPERATIVES CREDIT CARD CREDIT CARDS CREDIT GUARANTEE CREDIT UNIONS CUSTOMER BASE CUSTOMER SERVICE DEBIT CARD DEBIT CARDS DEPOSIT DEPOSITS DEVELOPMENT BANK DISTRIBUTION NETWORKS E-BANKING E-DOCUMENTS E-MONEY E-PAYMENT E-PAYMENTS EARNINGS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIES OF SCALE ELECTRONIC COMMERCE ELECTRONIC DATA ELECTRONIC MONEY ELECTRONIC PAYMENT ELECTRONIC TRANSACTION ELECTRONIC WALLET ELECTRONIC WALLETS EMPLOYEE ENTERPRISE DEVELOPMENT ENTREPRENEUR ENTREPRENEURS EXCHANGE RATE EXPATRIATE FARMERS FINANCE COMPANIES FINANCES FINANCIAL ACCESS FINANCIAL DEVICES FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FIXED COSTS FOREIGN BANKS FORMAL BANKING FORMAL BANKING SYSTEM FORMAL FINANCIAL SERVICES GENDER GOVERNMENT OFFICE GOVERNMENT OFFICES GOVERNMENT POLICY HOUSEHOLDS HOUSING ICT ID IDENTIFICATION NUMBER IDENTITY MODULE INCOME DISTRIBUTION INCOME GROUPS INEQUALITY INITIAL INVESTMENT INSURANCE INTERNAL BUSINESS INTERNATIONAL FINANCE INTERNATIONAL LAW INTEROPERABILITY INVENTORY INVESTMENT OPPORTUNITIES ISLAMIC BANK JOINT VENTURE KEY CHALLENGES LAWS LICENSE LICENSES LOAN MANAGEMENT ACCOUNTING MARKET SEGMENT MARKET SEGMENTS MARKETING MASS MARKET MASS TRANSIT MATERIAL MEDIUM ENTERPRISES MERCHANT MERCHANTS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MICROFINANCE LOANS MIGRATION MOBILE ACCESS MOBILE COMMUNICATIONS MOBILE NETWORK MOBILE PHONE MONEY TRANSFER MORTGAGE NEW BUSINESS NEW COMPANY NEW ENTRANTS NEW TECHNOLOGIES NICHE MARKET OUTREACH OUTSOURCING PACKET RADIO PACKET RADIO SERVICE PAYMENT METHODS PAYMENT PROCESSORS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PAYMENT TRANSACTIONS PEER REVIEW PENSIONS POINT OF SALE POINT-OF-SALE PROFITABILITY PROJECT MANAGEMENT PROPRIETORSHIPS PROTOCOL PUBLIC TRANSPORT PUBLIC TRANSPORTATION QUERIES RECEIPTS RECESSION REFUGEES REGULAR PAYMENTS REGULATORY ENVIRONMENT REGULATORY FRAMEWORK RELIABILITY REMITTANCE REMITTANCES RETAIL CONSUMER REVOLVING FUNDS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS BANK SEARCH SECURE PLATFORM SECURITIES SERVICE PROVIDER SERVICE PROVIDERS SMALL BUSINESS SMALL BUSINESSES SMALL FARMER SMALL FARMERS SMALL-VALUE TRANSACTIONS SOURCE OF INFORMATION START-UP SUBSIDIARY SUPERMARKET SUPPLY CHAIN TAX CREDITS TELECOM TELECOMMUNICATIONS TELECOMMUNICATIONS EQUIPMENT TELECOMMUNICATIONS INDUSTRY TERRORISM URBAN AREAS URBANIZATION USER USERS USES VALUE CHAIN VILLAGE VILLAGE FUNDS VILLAGES VOIP WAGES WIRELESS APPLICATION PROTOCOL
spellingShingle	ACCESS TO ATM ACCESS TO ATMS ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESSIBILITY ACCOUNTING ADVISORY SERVICES AFFILIATES AGRICULTURAL COOPERATIVES ANTI-MONEY LAUNDERING ATM CARD ATM CARDS ATM NETWORK ATM NETWORKS ATM PENETRATION AUTOMATED TELLER MACHINES B2B BALANCE INQUIRIES BALANCE INQUIRY BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK CHARGES BANK CUSTOMER BANK CUSTOMERS BANK DEPOSITS BANK OF THAILAND BANK SERVICES BANKING INDUSTRY BANKING NETWORKS BANKING SECTOR BANKING SERVICE BANKING SERVICES BANKING SYSTEM BANKS BUSINESS CENTERS BUSINESS DEVELOPMENT BUSINESS INPUTS BUSINESS MODEL BUSINESS MODELS BUSINESS NEEDS BUSINESS OWNER BUSINESS SECTORS BUSINESS STRATEGIES BUSINESS STRATEGY BUSINESS SUCCESS BUSINESS TO BUSINESS BUSINESS TRANSACTIONS BUSINESS-TO-BUSINESS CAPABILITIES CASH MANAGEMENT CASH PAYMENT CASH PAYMENTS CASH WITHDRAWAL CASH WITHDRAWALS CELL PHONES CENTRAL BANK OF SRI LANKA CHECKING ACCOUNT CHECKING ACCOUNTS COMMERCIAL BANKS COMMUNICATIONS TECHNOLOGY COMPETITIVENESS CONSUMER GOODS CONSUMER PROTECTION COOPERATIVES CREDIT CARD CREDIT CARDS CREDIT GUARANTEE CREDIT UNIONS CUSTOMER BASE CUSTOMER SERVICE DEBIT CARD DEBIT CARDS DEPOSIT DEPOSITS DEVELOPMENT BANK DISTRIBUTION NETWORKS E-BANKING E-DOCUMENTS E-MONEY E-PAYMENT E-PAYMENTS EARNINGS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIES OF SCALE ELECTRONIC COMMERCE ELECTRONIC DATA ELECTRONIC MONEY ELECTRONIC PAYMENT ELECTRONIC TRANSACTION ELECTRONIC WALLET ELECTRONIC WALLETS EMPLOYEE ENTERPRISE DEVELOPMENT ENTREPRENEUR ENTREPRENEURS EXCHANGE RATE EXPATRIATE FARMERS FINANCE COMPANIES FINANCES FINANCIAL ACCESS FINANCIAL DEVICES FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FIXED COSTS FOREIGN BANKS FORMAL BANKING FORMAL BANKING SYSTEM FORMAL FINANCIAL SERVICES GENDER GOVERNMENT OFFICE GOVERNMENT OFFICES GOVERNMENT POLICY HOUSEHOLDS HOUSING ICT ID IDENTIFICATION NUMBER IDENTITY MODULE INCOME DISTRIBUTION INCOME GROUPS INEQUALITY INITIAL INVESTMENT INSURANCE INTERNAL BUSINESS INTERNATIONAL FINANCE INTERNATIONAL LAW INTEROPERABILITY INVENTORY INVESTMENT OPPORTUNITIES ISLAMIC BANK JOINT VENTURE KEY CHALLENGES LAWS LICENSE LICENSES LOAN MANAGEMENT ACCOUNTING MARKET SEGMENT MARKET SEGMENTS MARKETING MASS MARKET MASS TRANSIT MATERIAL MEDIUM ENTERPRISES MERCHANT MERCHANTS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MICROFINANCE LOANS MIGRATION MOBILE ACCESS MOBILE COMMUNICATIONS MOBILE NETWORK MOBILE PHONE MONEY TRANSFER MORTGAGE NEW BUSINESS NEW COMPANY NEW ENTRANTS NEW TECHNOLOGIES NICHE MARKET OUTREACH OUTSOURCING PACKET RADIO PACKET RADIO SERVICE PAYMENT METHODS PAYMENT PROCESSORS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PAYMENT TRANSACTIONS PEER REVIEW PENSIONS POINT OF SALE POINT-OF-SALE PROFITABILITY PROJECT MANAGEMENT PROPRIETORSHIPS PROTOCOL PUBLIC TRANSPORT PUBLIC TRANSPORTATION QUERIES RECEIPTS RECESSION REFUGEES REGULAR PAYMENTS REGULATORY ENVIRONMENT REGULATORY FRAMEWORK RELIABILITY REMITTANCE REMITTANCES RETAIL CONSUMER REVOLVING FUNDS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS BANK SEARCH SECURE PLATFORM SECURITIES SERVICE PROVIDER SERVICE PROVIDERS SMALL BUSINESS SMALL BUSINESSES SMALL FARMER SMALL FARMERS SMALL-VALUE TRANSACTIONS SOURCE OF INFORMATION START-UP SUBSIDIARY SUPERMARKET SUPPLY CHAIN TAX CREDITS TELECOM TELECOMMUNICATIONS TELECOMMUNICATIONS EQUIPMENT TELECOMMUNICATIONS INDUSTRY TERRORISM URBAN AREAS URBANIZATION USER USERS USES VALUE CHAIN VILLAGE VILLAGE FUNDS VILLAGES VOIP WAGES WIRELESS APPLICATION PROTOCOL International Finance Corporation IFC Mobile Money Study 2011 : Thailand
geographic_facet	East Asia and Pacific Thailand
description	Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing banking clients, and being a means for realizing a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information on Thailand regarding five main topics, business models, money flows and demand, potential user perceptions and behavior, regulation, and agent networks.
format	Working Paper
author	International Finance Corporation
author_facet	International Finance Corporation
author_sort	International Finance Corporation
title	IFC Mobile Money Study 2011 : Thailand
title_short	IFC Mobile Money Study 2011 : Thailand
title_full	IFC Mobile Money Study 2011 : Thailand
title_fullStr	IFC Mobile Money Study 2011 : Thailand
title_full_unstemmed	IFC Mobile Money Study 2011 : Thailand
title_sort	ifc mobile money study 2011 : thailand
publisher	Washington, DC
publishDate	2015
url	http://documents.worldbank.org/curated/en/2011/01/24115962/thailand-ifc-mobile-money-study-2011 http://hdl.handle.net/10986/21744
_version_	1764449104122871808
spelling	okr-10986-217442021-04-23T14:04:04Z IFC Mobile Money Study 2011 : Thailand International Finance Corporation ACCESS TO ATM ACCESS TO ATMS ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESSIBILITY ACCOUNTING ADVISORY SERVICES AFFILIATES AGRICULTURAL COOPERATIVES ANTI-MONEY LAUNDERING ATM CARD ATM CARDS ATM NETWORK ATM NETWORKS ATM PENETRATION AUTOMATED TELLER MACHINES B2B BALANCE INQUIRIES BALANCE INQUIRY BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK CHARGES BANK CUSTOMER BANK CUSTOMERS BANK DEPOSITS BANK OF THAILAND BANK SERVICES BANKING INDUSTRY BANKING NETWORKS BANKING SECTOR BANKING SERVICE BANKING SERVICES BANKING SYSTEM BANKS BUSINESS CENTERS BUSINESS DEVELOPMENT BUSINESS INPUTS BUSINESS MODEL BUSINESS MODELS BUSINESS NEEDS BUSINESS OWNER BUSINESS SECTORS BUSINESS STRATEGIES BUSINESS STRATEGY BUSINESS SUCCESS BUSINESS TO BUSINESS BUSINESS TRANSACTIONS BUSINESS-TO-BUSINESS CAPABILITIES CASH MANAGEMENT CASH PAYMENT CASH PAYMENTS CASH WITHDRAWAL CASH WITHDRAWALS CELL PHONES CENTRAL BANK OF SRI LANKA CHECKING ACCOUNT CHECKING ACCOUNTS COMMERCIAL BANKS COMMUNICATIONS TECHNOLOGY COMPETITIVENESS CONSUMER GOODS CONSUMER PROTECTION COOPERATIVES CREDIT CARD CREDIT CARDS CREDIT GUARANTEE CREDIT UNIONS CUSTOMER BASE CUSTOMER SERVICE DEBIT CARD DEBIT CARDS DEPOSIT DEPOSITS DEVELOPMENT BANK DISTRIBUTION NETWORKS E-BANKING E-DOCUMENTS E-MONEY E-PAYMENT E-PAYMENTS EARNINGS ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIES OF SCALE ELECTRONIC COMMERCE ELECTRONIC DATA ELECTRONIC MONEY ELECTRONIC PAYMENT ELECTRONIC TRANSACTION ELECTRONIC WALLET ELECTRONIC WALLETS EMPLOYEE ENTERPRISE DEVELOPMENT ENTREPRENEUR ENTREPRENEURS EXCHANGE RATE EXPATRIATE FARMERS FINANCE COMPANIES FINANCES FINANCIAL ACCESS FINANCIAL DEVICES FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FIXED COSTS FOREIGN BANKS FORMAL BANKING FORMAL BANKING SYSTEM FORMAL FINANCIAL SERVICES GENDER GOVERNMENT OFFICE GOVERNMENT OFFICES GOVERNMENT POLICY HOUSEHOLDS HOUSING ICT ID IDENTIFICATION NUMBER IDENTITY MODULE INCOME DISTRIBUTION INCOME GROUPS INEQUALITY INITIAL INVESTMENT INSURANCE INTERNAL BUSINESS INTERNATIONAL FINANCE INTERNATIONAL LAW INTEROPERABILITY INVENTORY INVESTMENT OPPORTUNITIES ISLAMIC BANK JOINT VENTURE KEY CHALLENGES LAWS LICENSE LICENSES LOAN MANAGEMENT ACCOUNTING MARKET SEGMENT MARKET SEGMENTS MARKETING MASS MARKET MASS TRANSIT MATERIAL MEDIUM ENTERPRISES MERCHANT MERCHANTS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTIONS MICROFINANCE LOANS MIGRATION MOBILE ACCESS MOBILE COMMUNICATIONS MOBILE NETWORK MOBILE PHONE MONEY TRANSFER MORTGAGE NEW BUSINESS NEW COMPANY NEW ENTRANTS NEW TECHNOLOGIES NICHE MARKET OUTREACH OUTSOURCING PACKET RADIO PACKET RADIO SERVICE PAYMENT METHODS PAYMENT PROCESSORS PAYMENT SERVICES PAYMENT SYSTEM PAYMENT SYSTEMS PAYMENT TRANSACTIONS PEER REVIEW PENSIONS POINT OF SALE POINT-OF-SALE PROFITABILITY PROJECT MANAGEMENT PROPRIETORSHIPS PROTOCOL PUBLIC TRANSPORT PUBLIC TRANSPORTATION QUERIES RECEIPTS RECESSION REFUGEES REGULAR PAYMENTS REGULATORY ENVIRONMENT REGULATORY FRAMEWORK RELIABILITY REMITTANCE REMITTANCES RETAIL CONSUMER REVOLVING FUNDS SAVINGS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS BANK SEARCH SECURE PLATFORM SECURITIES SERVICE PROVIDER SERVICE PROVIDERS SMALL BUSINESS SMALL BUSINESSES SMALL FARMER SMALL FARMERS SMALL-VALUE TRANSACTIONS SOURCE OF INFORMATION START-UP SUBSIDIARY SUPERMARKET SUPPLY CHAIN TAX CREDITS TELECOM TELECOMMUNICATIONS TELECOMMUNICATIONS EQUIPMENT TELECOMMUNICATIONS INDUSTRY TERRORISM URBAN AREAS URBANIZATION USER USERS USES VALUE CHAIN VILLAGE VILLAGE FUNDS VILLAGES VOIP WAGES WIRELESS APPLICATION PROTOCOL Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing banking clients, and being a means for realizing a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information on Thailand regarding five main topics, business models, money flows and demand, potential user perceptions and behavior, regulation, and agent networks. 2015-04-14T22:06:41Z 2015-04-14T22:06:41Z 2011 Working Paper http://documents.worldbank.org/curated/en/2011/01/24115962/thailand-ifc-mobile-money-study-2011 http://hdl.handle.net/10986/21744 English en_US CC BY-NC-ND 3.0 IGO http://creativecommons.org/licenses/by-nc-nd/3.0/igo/ International Finance Corporation Washington, DC Publications & Research Publications & Research :: Working Paper East Asia and Pacific Thailand

IFC Mobile Money Study 2011 : Thailand

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