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2 results for "Mobile Money"

Publications — 1

Mobile Money as Intelligence Infrastructure: A Framework for African Financial Data

This position paper proposes a conceptual framework for treating mobile money transaction data as a foundational financial intelligence layer for African economies. We argue that the structural characteristics of mobile money — ubiquity, SMS-based accessibility, and informal economy penetration — make it uniquely suited as the primary data substrate for African financial AI systems, distinct from the bank feed model that underpins Western fintech.

Research Projects — 1

active

Mobile Money as a Financial Data Layer

Africa's informal economy generates billions of transactions through mobile money systems — MTN, Airtel, M-Pesa — that formal financial analysis tools cannot access or interpret. This creates a fundamental blind spot in African economic data. Banks, development banks, and policymakers are making decisions without visibility into the dominant transaction layer. ECADEL LABS is investigating how mobile money data, properly structured, can become an intelligence layer that enables better credit access, economic analysis, and financial inclusion for the 60M+ African SMEs operating without formal financial records.