1. From Destruction to Opportunity: Mobile money in Haiti Salah Goss Bill & Melinda Gates Foundation June 27, 2011 © 2010 Bill & Melinda Gates Foundation

2. 2 © 2010 Bill & Melinda Gates Foundation | Mobile money in Haiti

3. Mobile money in Haiti © 2010 Bill & Melinda Gates Foundation | 3

4. 4 © 2010 Bill & Melinda Gates Foundation | Access to cash: the chronology of a $20 bill

5. 5 © 2010 Bill & Melinda Gates Foundation | Haitian money ecologies Figure 5: Map of Haitian transport routes. Bill Maurer, 2010

6. 6 © 2010 Bill & Melinda Gates Foundation | Haiti Mobile Money Initiative Digicel Service Coverage in Haiti

7. Industry Principles © 2010 Bill & Melinda Gates Foundation | 7 PRINCIPLE 1 Funds deposited in clients’ mobile wallets remain the property of the customers at all times PRINCIPLE 2 Maximum caps on transaction and amount transacted per day are set to a level which minimizes risks of fraud while promoting electronic transactions PRINCIPLE 3 Transactions take place in real time PRINCIPLE 4 General training, including AML and KYC training, is provided to outlets before they may be “accredited” by the service providers to register clients to the service PRINCIPLE 5 Customers should be able to register at all outlets PRINCIPLE 6 Customers have access to a “customer support” service 24/7 PRINCIPLE 7 Third-parties may be “accredited” by service providers to offer customer registration services PRINCIPLE 8 Transaction records for mobile money services are kept for an adequate duration to resolve customer complaints PRINCIPLE 9 For cash-in/cash-out operations, all transactions are done against the retail outlet’s own

8. Thank You © 2010 Bill & Melinda Gates Foundation. All Rights Reserved. Bill & Melinda Gates Foundation is a registered trademark in the United States and other countries.