The Hashemite Kingdom of Jordan is an Arab kingdom in Asia, on the East Bank of the River Jordan, consisting roughly of the historic region of Transjordan. Link to external site : Website for Jordan |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Send Register/Log In |
| GDP ($m) |
15,832.72 Register/Log In |
| HDI classification | Medium |
| Mobile Connections (m) |
7.493 Upgrade to Bronze |
| Currency | JOD |
| Class | |
| CountryISO | JO |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Zain",2581300],["Umniah (Batelco)",2520000],["Orange (Jordan Telecom)",2357535],["XPress",34261]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",343000],["Q4 2001",860288],["Q4 2002",1190650],["Q4 2003",1295830],["Q4 2004",1608773],["Q4 2005",3054000],["Q4 2006",4000785],["Q4 2007",4437472],["Q4 2008",5460954],["Q4 2009",6147897],["Q4 2010",6332633],["Q4 2011",6608427],["Q4 2012",6824843],["Q4 2013",6994932],["Q4 2014",7143320]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Mobile",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",1],["MNO",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1],["DC",1],["MP",1],["Paybymobile",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Card",1],["MobileBilling",1]],"options":{"title":"Initiatives ( 1 of 1 )"}} |
| Central Bank | |
| Key Regulations |
Provision and collecion of payments by nonbanks does not require licensing Upgrade to Bronze |
| Type of law |
Hybrid Upgrade to Bronze |
| Legal System |
Mixed legal system of civil law and Islamic religious law; judicial review of legislative acts in a specially provided High Tribunal Upgrade to Bronze |
| Law is based on | |
| Approach |
Rejects nonbank Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness |
Medium Upgrade to Bronze |
| Proportionate? | |
| Allowed Models |
Bank Led Upgrade to Bronze |
| DominantModel |
Bank Led Upgrade to Bronze |
| E-Money |
No law governing e-money issuance by nonbanks. By terms of Banking Law issuance of e-money is not a "banking activity" subject to CBJ oversight. Deterrent: Legal risk due to legal ambiguity around e-money and airtime taxation |
| Payment | |
| Agent |
Needs face to face customer verification. No regulation deals with topic of nonbank agents. Both banks and MNOs uncomfortable with use of nonbank retail agents handling cash on their behalf (Doc 99). Upgrade to Bronze |
| Money Transfer |
Wu works with Jordan Post Company(JPC) Upgrade to Bronze |
| Taxation |
Concern that deposits to e-money accounts would be treated for tax purposes as purchase of airtime. Supject to 4.5% special tax and 15% VAT Upgrade to Bronze |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",96.72],["Banked",37],["Internet",20],["Urban",78],["Adult",64],["Literate",89.9]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 5.72 |
| Adult % | 64.00 |
| Migrants % |
39.00 Register/Log In |
| Stock Immigrants ('000) |
2,973.00 Upgrade to Bronze |
| Emigration Rate % |
11.60 Upgrade to Bronze |
| Internal Migrants ('000) | |
| Internal Migration Rate % | |
| Intl Movement Rate % |
45.30 Upgrade to Bronze |
| Urban % | 78.00 |
| Female % | 49.10 |
| Literate % | 89.90 |
| Annual Growth % |
| Mobile Penetration % | 96.72 |
| Banked % | 37.00 |
| Access to FS % | 37.00 |
| Internet % | 20.00 |
| Branches per 100k adults | 16.17 |
| ATMs per 100k adults | 0.00 |
| POS per 100k adults | 0.00 |
| Prepaid % | 82.80 |
| Prepaid SIM Registration |
2 Compulsory Upgrade to Bronze |
| MobileUnbanked (m) | 3.48 |
| Monthly ARPU |
19.00 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 |
Bank led; Umniah Upgrade to Bronze |
| Informal Market | |
| Cost To Remit | |
| Key Players |
Jordan Post Company (JPC) Upgrade to Bronze |