The Republic of Zimbabwe, is a landlocked country located in Southern Africa, between the Zambezi and Limpopo rivers. It is bordered by South Africa to the south, Botswana to the southwest, Zambia to the northwest and Mozambique to the east. Link to external site : Website for Zimbabwe |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
1,925.00 Register/Log In |
| HDI classification | Other |
| Mobile Connections (m) |
7.233 Upgrade to Bronze |
| Currency | ZWD |
| Class | |
| CountryISO | ZW |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Econet Wireless",4598510],["Telecel",1335000],["NetOne",1299980]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",275800],["Q4 2001",320942],["Q4 2002",350922],["Q4 2003",376108],["Q4 2004",458799],["Q4 2005",591317],["Q4 2006",748785],["Q4 2007",1066812],["Q4 2008",1557456],["Q4 2009",2182308],["Q4 2010",2156596],["Q4 2011",2425189],["Q4 2012",2670983],["Q4 2013",2892264],["Q4 2014",3088638]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Agent",1],["Mobile",5],["Web",1]],"options":{"title":"Initiatives ( 5 of 5 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",2],["MNO",2],["PSP",1]],"options":{"title":"Initiatives ( 5 of 5 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MB",1],["MM",2],["MMT",1],["MW",1]],"options":{"title":"Initiatives ( 5 of 5 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",2],["BOP",1],["BP",3],["DAT",3],["DMT",4],["IMT",2],["MM",2],["MP",2],["MW",3],["Trade",1]],"options":{"title":"Initiatives ( 5 of 5 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Account",1],["Card",1],["Cash",2],["PC",1],["Wallet",3]],"options":{"title":"Initiatives ( 5 of 5 )"}} |
| Central Bank | |
| Key Regulations |
In March 2014 RBZ Directive said that mobile money agents can conduct services for multiple mobile financial service providers. No exclusivity except if special waiver requested. Upgrade to Bronze |
| Type of law |
Hybrid Upgrade to Bronze |
| Legal System |
Mixed legal system of English common law, Roman-Dutch civil law, and customary law Upgrade to Bronze |
| Law is based on | |
| Approach |
Unclear Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity |
Illegal Upgrade to Bronze |
| Certainty |
Medium Upgrade to Bronze |
| Openness | |
| Proportionate? | |
| Allowed Models |
Jointly Led Upgrade to Bronze |
| DominantModel |
TP Led Upgrade to Bronze |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",35.75],["Banked",34],["Internet",10],["Urban",37],["Adult",62],["Literate",91.1691]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 13.40 |
| Adult % | 62.00 |
| Migrants % |
4.00 Register/Log In |
| Stock Immigrants ('000) |
372.30 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % | |
| Urban % | 37.00 |
| Female % | 37.80 |
| Literate % | 91.17 |
| Annual Growth % |
| Mobile Penetration % | 35.75 |
| Banked % | 34.00 |
| Access to FS % | 34.00 |
| Internet % | 10.00 |
| Branches per 100k adults | 7.66 |
| ATMs per 100k adults | 0.00 |
| POS per 100k adults | 0.00 |
| Prepaid % | 98.20 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 3.16 |
| Monthly ARPU |
11.37 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Prime Candidate Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |