The Islamic Republic of Afghanistan is a landlocked and mountainous country in Asia. In recent times it has suffered from chronic instability and conflict. Link to external site : Website for Afghanistan |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
8,399.04 Register/Log In |
| HDI classification | Low |
| Mobile Connections (m) |
21.218 Upgrade to Bronze |
| Currency | AFN |
| Class | |
| CountryISO | AF |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Roshan (TDCA)",5654400],["Emirates Telcommunications Corporation (Etisalat)",5466694],["MTN",4708368],["Afghan Wireless (TSI)",4519242],["Wasel Telecom",494539],["Rest ( 1 )",374451]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",0],["Q4 2001",0],["Q4 2002",40000],["Q4 2003",130000],["Q4 2004",571750],["Q4 2005",1068700],["Q4 2006",2192431],["Q4 2007",4976570],["Q4 2008",9057128],["Q4 2009",13237659],["Q4 2010",16622186],["Q4 2011",19893184],["Q4 2012",22681215],["Q4 2013",25025242],["Q4 2014",26938629]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Agent",1],["Mobile",2],["Voice",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",1],["MNO",2]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MM",2]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",2],["B2P",1],["BP",1],["DAT",2],["DMT",2],["IMT",1],["MFI",1],["MM",2],["MW",2]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Cash",2],["Wallet",2]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Hybrid Upgrade to Bronze |
| Legal System |
Mixed legal system of civil, customary, and Islamic law Upgrade to Bronze |
| Law is based on |
The law of Afghanistan is enforced by the International Security Assistance Force, although local militias maintain control of some areas. Upgrade to Bronze |
| Approach |
Short leash Upgrade to Bronze |
| Sectors active in Digital Money |
NonBank Upgrade to Bronze |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
Jointly Led Upgrade to Bronze |
| DominantModel |
Jointly Led Upgrade to Bronze |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer |
Only banks are allowed to do money transfer. Upgrade to Bronze |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",43.64],["Banked",12],["Internet",2],["Urban",24],["Adult",55],["Literate",28.1]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 33.61 |
| Adult % | 55.00 |
| Migrants % |
0.31 Register/Log In |
| Stock Immigrants ('000) |
90.90 Upgrade to Bronze |
| Emigration Rate % |
10.60 Upgrade to Bronze |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % |
10.80 Upgrade to Bronze |
| Urban % | 24.00 |
| Female % | 43.60 |
| Literate % | 28.10 |
| Annual Growth % |
| Mobile Penetration % | 43.64 |
| Banked % | 12.00 |
| Access to FS % | 20.11 |
| Internet % | 2.00 |
| Branches per 100k adults | 1.13 |
| ATMs per 100k adults | 0.18 |
| POS per 100k adults | 0.00 |
| Prepaid % | 76.30 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 12.91 |
| Monthly ARPU | |
| 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? |
Yes with Proportionate KYC rules Upgrade to Bronze |
| 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 |
Rapid Growth Upgrade to Bronze |
| Registered Wallet Users |
115,000 Upgrade to Bronze |
| Top Wallets |
M-Paisa, Etisalat Upgrade to Bronze |
| Informal Market | |
| Cost To Remit | |
| Key Players |