The GSMA Mobile Money Certification Toolkit is the foundation of the Certification process. Mobile money providers should use the toolkit to conduct a detailed self-assessment of their business practices, which is the first step in the certification process. The completed toolkit is then used by the Assessor to complete the assessment. The toolkit is available in English, French and Spanish. 

You can access the full toolkit once you apply for a Certification account. If you are interested in viewing a summary version of the toolkit, it can be downloaded here.

 

Toolkit Overview

The toolkit identifies eight principles to guide a mobile money provider’s adoption of consistent risk mitigation practices in critical areas of their business. These principles are organized into sub-principles, which are comprised of criteria which illustrate best practices. There are almost 300 criteria overall.

To achieve Certification, a mobile money provider must demonstrate compliance with all of the criteria. The toolkit provides the list of evidence required to assess compliance for each of the criteria. The Assessor will evaluate the required evidence and document it in the Assessment Report.

 

The Principles of the Certification

The eight principles of the GSMA Mobile Money Certification are:

1. Finance

Safeguard customer funds against the risk of loss

2. AML/CFT/Fraud Prevention

Combat money laundering, terrorist financing and fraud

3. People

Manage staff, agents, and third parties correctly

4. Operation

Operate the service well and reliably

5. Security

Ensure the security of the systems supporting the service

6. Transparency

Communicate fees, T&Cs and information transparently to customers

7. Customer Service

Effectively address customer service requests and complaints

8. Data Privacy

Protect customers' personal data