1. Mobile Money Afghanistan JAN CHIPCHASE

2. rising mobile penetration50% DENSITY, MANY MULTIPLE SIM OWNERS, AFGHANISTAN TELECOM REGULATORY AUTHORITY, 2010

3. ~4% banking penetration CGAP: 83 ACCOUNTS PER 1,000 PEOPLE, MANY WITH MULTIPLE ACCOUNTS

4. team

5. team

6. ~56 participants 25 IN-DEPTH INTERVIEWS; 8 HOME VISITS PAST, PRESENT AND POTENTIAL FUTURE M-PAISA USERS; PEOPLE WITHIN THE AGENTECOSYSTEM; MANUAL LABOURERS; POLICE OFFICERS; ENTREPRENEURS; RADIO PRODUCER; CHEMIST; TEACHER; FACTORY WORKERS; STUDENTS; SECURITY GUARDS; ELECTRICIAN; STORE CLERKS; LOCAL NGO WORKERS; CORNER APP STORE OPERATORS; FARMERS 44 MALES / 12 FEMALES RANGE OF RELIGIOUS; ETHNIC; SOCIO-ECONOMIC BACKGROUNDS

7. research challenges

8. money i taboo is

9. ramadan

10. elections i

11. gender divide i i

12. security i

13. what did we learn?

14. stores of value

15. stores of value

16. stores of value

17. stores of value

18. the risks of cash i

19. informal crediti i

20. everyday graft

21. financial, mobile, textual literacy

22. trust i institutions in i i i

23. tangible vs. digital i i i

24. finding an agent i i

25. social i burden

26. chicken & egg i

27. mobile = disruptive

28. the mobile phone is the the biggest enabler of love ggmarriages in Afghanistan today FEMALE, 20