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MM4H: Mobile Money for Health Solutions

Over the past year, we've uncovered some exciting and innovative uses of mobile money in the health sector. We reflect on these highlights in this newsletter and share additional resources we've collated on this topic. 

We’ll continue to track and document the uptake of mobile money in health in the year ahead and look forward to hearing from you with your updates and feedback. Stay tuned for regular updates and resources on MM4H!

-The HFG Mobile Money team 
Top 2013 MM events with potential impact on the health sector
This list  highlights some of the top moments for mobile money in 2013. It includes news and events that are specific to the  health sector along with broader mobile money updates that have  potential implications for health.   
  1. Increased global commitments towards mobile money. In 2013, USAID made a big push to encourage the use of of e-payment mechanisms in project planning and proposals. 
  2. Kenya’s M-Pesa continued to lead the way for mobile money. M-Pesa received a new award in November 2013. This recent interview with the head of Safaricom, Sitoyo Lopokoiyit, reveals insights on how the company continues to build and design its business to reach the poor.
  3. Governments commit to using mobile money. National and local governments (e.g. in the Philippines and in Malawi) have made commitments to using mobile money.
  4. The Health Finance and Governance (HFG) Project identified 13 live use cases of mobile money in the health sector. HFG is tracking emerging examples of mobile money in health and creating program profiles to explore how mobile money is being used in health and draw out lessons learned. 
  5. CGAP launched Digital Financial Plus, which includes a database to track mobile money use in health, education, water, agricultural, and other sectors. There is much to be learned from the launch and uptake of mobile money in social sectors and this tracker is a promising resource with potential to promote cross-sector learning.
  6. Mobile Money infographics. Most notably, this one, this one, and this one. We included these because they provide information on mobile money in an interesting, creative, and engaging way. 
  7. Indonesia moves towards interoperability.  The three largest mobile money network providers in Indonesia agreed to enable mobile money transfers across their networks in order to work together to drive mobile money uptake in Indonesia. 
  8. D-Tree scaled up their mobile money program, which enables community health workers to  pay for  a patient’s emergency transportation to a health facility and incentivizes appropriate referrals.
  9. PharmAccess launched innovative work with Kenya's Safaricom and National Health Insurance Fund to support improved poverty targeting for the Health Insurances Subsidy Program (HISP), by analyzing call behavior and using this information to segment the population into different income quintiles. Stay tuned for more information! 
  10. Nethope and collaborating USAID partners offer tool to evaluate costs of adopting e-payments. Nethope offers tools for organizations to assess the costs of using physical cash and e-payments.

New white paper on mobile money in health!

The HFG project has released a new paper that provides an overview of mobile money use in the health sector. Read the full report online HERE
This paper reviews current use cases and potential applications of mobile money in health with the overall objective of bringing attention to the benefits and challenges of using mobile money in the health sector. Some content includes the use of mobile money for: 
  • bulk payments for salaries and per diems,
  • conditional cash transfer and pay-for-performance schemes,
  • collection of health insurance premiums, and
  • management of voucher schemes
The paper also includes three detailed case studies that represent some of the most documented examples of mobile money and health: Follow the links above to read about each organization. Learn about how they're using mobile money in the profiles featured in this paper! 

Profiling MM4H Use Cases

The HFG Mobile Money activity has identified 13 MM4H use cases and is building profiles on each program to identify and document emerging trends in mobile money and health and to spotlight programs that are effectively using and scaling up the use of mobile money in health. Contact us to learn more or to share an example by replying to this newsletter. 


•   CGAP: Top ten things to know about mobile money â€“ Dec 2013
•   USAID online course on mobile money â€“ Sept 2013
•  Agenda for 2014 Mobile Money Expo â€“ February 12-13, 2014
•  Digital Financial Services Newsletter â€“ Oct 2013
• No Mobile Money Interoperability? No Problem! (Nethope webinar) â€“ Nov 2013
• CGAP blog – BRAC and bKash in Bangladesh â€“ Nov 2013
• MTN forges innovative e-payment partnership with Visa â€“ Nov 2013


•   Mobile Money and Digital Payments Asia 2014 - January 21-23, 2014
•   Mobile East Africa February 12-13, 2014.
•  The third AfHEA International Scientific Conference -  March 11-13, 2014
•  7th AITEC Banking and Mobile Money West AfricaMarch 12- 13, 2014
• Mobile Money Africa 2014 - May 2014
• Third Global Symposium on Health Systems Research -
Sept 30 - Oct 3, 2014

About this newsletter: 

The Health Finance and Governance (HFG) Project’s Mobile Money to Strengthen Health Systems Activity is driving innovative mobile phone-based payment solutions, to expand the reach of health services to poor populations and to improve the efficiency, security, and transparency of financial transactions in the health sector.Designed for public health professionals, this newsletter is intended to highlight how mobile payment services (using mobile phones to transfer or store funds) can improve healthcare delivery. 


Please contact us to share your news about mobile money applications in health or if you would like to contribute to this newsletter.  For more information about the HFG Mobile Money Activity and how it is supporting the uptake of innovative payment solutions in countries, contact Marty Makinen (

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