What We Do

Financial Services for the Poor

The Impact of Mobile Money on Poverty Research Brief



The Bill & Melinda Gates Foundation’s Financial Services for the Poor Program (FSP) works to advance financial inclusion by expanding the availability of low-cost, digital financial services for the poor. Our strategy supports catalytic approaches, including: accelerating the development of digital payment and identity systems, advancing gender equality to ensure women share in the benefits of financial inclusion, and supporting the development of national and regional strategies that provide exemplar models.

To support financial inclusion sector partners and advocates, FSP has developed a research brief that outlines key findings on the impacts of mobile money on poverty. The brief shares a collection of rigorous evidence from a range of studies about the impacts of mobile money on individuals and households, and on the user experience of payment transfers enabled by mobile phones.

Data in the brief is sourced from a variety of mobile money providers and platforms including Kenya, Tanzania, Mozambique, Bangladesh, Uganda, Malawi, Niger, and Sri Lanka.

View: Research Brief – The Impact of Mobile Money on Poverty

Topics covered in the guide include:

  • Risk sharing and resilience
  • Digital remittances and migration
  • Occupational choice and productivity
  • Relationship between mobile money, savings, and investment
  • Impacts on consumption and poverty

This resource has been created by reviewing experimental and rigorous non-experimental evidence from the development economics literature. Any opinions expressed in this research guide do not necessarily reflect the official views of the Bill & Melinda Gates Foundation.


This work is provided as-is, without any warranty of any kind, and for non-commercial, informational use only. Any further use may require the consent of third-party content owners. The materials are not intended to convey or constitute legal advice. You should not act upon any such information without first seeking qualified professional counsel on your specific matter.

Visit Our Blog