Bosnia-Herzegovina is a country in Southeastern Europe, on the Balkan Peninsula. It is bordered by Croatia to the north, west and south, Serbia to the east, and Montenegro to the southeast and is largely landlocked. Link to external site : Website for Bosnia & Herzegovina |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
15,144.16 Register/Log In |
| HDI classification | High |
| Mobile Connections (m) |
3.621 Upgrade to Bronze |
| Currency | BAM |
| Class | |
| CountryISO | BA |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["m:tel (Telekom Srbija)",1451526],["BH Telecom",1353462],["HT Eronet (HT Mostar)",815616]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",253966],["Q4 2001",506970],["Q4 2002",801336],["Q4 2003",1080400],["Q4 2004",1377300],["Q4 2005",1676327],["Q4 2006",1995235],["Q4 2007",2332084],["Q4 2008",3179036],["Q4 2009",2979952],["Q4 2010",3277063],["Q4 2011",3547228],["Q4 2012",3787923],["Q4 2013",3992383],["Q4 2014",4158152]],"options":{"title":"Connections"}}
| Channel Analysis |
No data to report Upgrade to Bronze |
| COT Analysis |
No data to report Upgrade to Bronze |
| Persona Analysis |
No data to report Upgrade to Bronze |
| Products |
No data to report Upgrade to Bronze |
| PI Analysis |
No data to report Upgrade to Bronze |
| Central Bank | |
| Key Regulations | |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system; Constitutional Court review of legislative acts Upgrade to Bronze |
| Law is based on |
Influenced by Austrian law. Upgrade to Bronze |
| Approach | |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
Unknown Upgrade to Bronze |
| DominantModel |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",71.7],["Banked",17],["Internet",28],["Urban",47],["Adult",83],["Literate",96.7]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 3.77 |
| Adult % | 83.00 |
| Migrants % |
1.00 Register/Log In |
| Stock Immigrants ('000) |
27.80 Upgrade to Bronze |
| Emigration Rate % |
25.10 Upgrade to Bronze |
| Internal Migrants ('000) |
1,400.00 Upgrade to Bronze |
| Internal Migration Rate % |
52.50 Upgrade to Bronze |
| Intl Movement Rate % |
27.00 Upgrade to Bronze |
| Urban % | 47.00 |
| Female % | 49.80 |
| Literate % | 96.70 |
| Annual Growth % |
| Mobile Penetration % | 71.70 |
| Banked % | 17.00 |
| Access to FS % | 17.00 |
| Internet % | 28.00 |
| Branches per 100k adults | 39.46 |
| ATMs per 100k adults | 27.14 |
| POS per 100k adults | 501.64 |
| Prepaid % | 74.00 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 2.25 |
| Monthly ARPU |
15.67 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 |
Medium Term Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |