World Bank2015-01-052015-01-052014https://hdl.handle.net/10986/21074This report assesses existing mobile application (app) business models targeted at, or suitable for, people living at the base of the pyramid (BoP). The report addresses specific pain points for app developers and provides practical, actionable advice. Its recommendations are specific to each of the four countries: Ghana, Mozambique, Nigeria, and Zambia. While assessing the app markets in the four countries, it became clear that there is a wide range of business models. Each business model is unique to the sector and to the business problem the app is attempting to address. This report focuses on three areas common to all business models to provide maximum value for app developers. This report also presents a brief assessment of app incubators or hubs. These incubators play a significant role in supporting and advocating apps. However, this role is often only partially realized and this report makes recommendations to address this.en-USCC BY 3.0 IGOACCESS TO BANKACCESS TO BANKSACCESS TO CAPITALADVERTISEMENTADVERTISEMENTSADVERTISINGAPIAPPLICATION DEVELOPMENTAPPLICATION PROGRAMMINGAPPLICATION PROGRAMMING INTERFACEATMBANDWIDTHBANK ACCOUNTBANK ACCOUNTSBANNER ADSBASICBROWSERSBUSINESS MODELBUSINESS MODELSBUSINESS OPPORTUNITIESBUSINESS PLANSBUSINESS PROCESSESBUSINESSESBUYERCASH FLOWCASH PAYMENTSCASH TRANSACTIONCASH TRANSACTIONSCASH TRANSFERCELLULAR NETWORKSCENTRAL BANKCENTRAL BANKSCHECKSCODESCOLLABORATIONCOMMUNICATION TECHNOLOGYCOMPETITIONSCOMPUTERSCONFIGURATIONSCONSUMER MARKETCONTENT PROVIDERCONTENT PROVIDERSCREDIT CARDCREDIT CARDSCURRENCYCUSTOMER BASECUSTOMER BASESCUSTOMER SEGMENTCUSTOMER SEGMENTSDEBIT CARDDEVICESDIGITALDISTRIBUTION CHANNELDISTRIBUTION CHANNELSDISTRIBUTION NETWORKDISTRIBUTION NETWORKSE-COMMERCEE-COMMERCE SITESELECTRONIC TRANSFERSEMAIL ADDRESSESEMAILSEND USERSEXCHANGE OF DATAEXCHANGE RATEEXCHANGE RATESEXPOSUREFINANCE CORPORATIONFINANCIAL DEVELOPMENTFORMAL BANKINGFUNCTIONALITYGLOBAL MARKETPLACEGLOBAL STANDARDSHACKERSHOUSEHOLD INCOMEICTIDENTITY MODULEIMPLEMENTATIONSINCOMEINCOMESINFORMATION COMMUNICATIONINFORMATION COMMUNICATION TECHNOLOGIESINFORMATION SERVICESINNOVATIONINNOVATION PROGRAMINSTITUTIONINSTRUCTIONINTERACTIVE VOICE RESPONSEINTERFACEINTERNATIONAL BANKINTERNATIONAL DEVELOPMENTINTERNATIONAL FINANCEINTERNATIONAL INVESTORSIPIVRJAVALEARNINGLICENSELICENSE FEELICENSESLIQUIDITYMARGINAL COSTSMARKET BARRIERSMARKET PRICESMARKET SHAREMARKET SIZEMARKET SIZESMARKETINGMEDIAMICROPAYMENTSMOBILE APPLICATIONMOBILE APPLICATIONSMOBILE COMMUNICATIONSMOBILE COMPUTINGMOBILE NETWORKMOBILE NETWORKSMOBILE PHONEMOBILE PHONESMOBILE SERVICESMOBILE USERMOBILE USERSMONEY LAUNDERINGMONEY MARKETNETWORKINGNUMBER OF USERSOPERATING ENVIRONMENTSOPERATING SYSTEMOPERATING SYSTEMSPAYMENT FACILITIESPAYMENT FACILITYPAYMENT MECHANISMPAYMENT METHODPAYMENT METHODSPDFPENETRATION RATEPHONESPHOTOSPOINT OF SALEPOST OFFICEPOTENTIAL INVESTORSPROGRAMSPROJECT MANAGEMENTPROTOCOLQUERIESRADIOREGULAR PAYMENTSREGULATORREGULATORY FRAMEWORKREGULATORY FRAMEWORKSRESULTRESULTSRETURNRETURNSREVENUE MODELSERVERSERVERSSERVICE PROVIDERSKILLED WORKERSSMALL BUSINESSSOCIAL ENTREPRENEURSSOCIAL NETWORKSSOFTWARE APPLICATIONSSOFTWARE INDUSTRYSOFTWARE PACKAGESSTARTUPSUPERVISIONTAXTECHNICAL REQUIREMENTSTECHNICAL SKILLSTELEPHONETRAINING EVENTSTRAINING PROGRAMSTRANSACTIONTRANSLATIONUSERUSERSUSESVALUE CHAINVALUE TRANSFERSVERIFICATIONVIDEOVIDEOSVIRAL MARKETINGWEBWEB SERVICESWEBSITEWEBSITESWIRELESSWIRELESS APPLICATION PROTOCOLWORKING CAPITAL10.1596/21074