International Finance Corporation2015-04-142015-04-142011https://hdl.handle.net/10986/21744Although a number of m-money businesses have emerged around the world, few have reached significant scale. Overall, m-money uptake is limited when contrasted with its apparent promise of reaching the unbanked and underserved, servicing existing banking clients, and being a means for realizing a cashless society. This study examines the following in more detail: existing major money flows and the critical mass of low-value, high-volume payment transactions and whether m-money can be used for them (i.e., potential demand); regulatory environment and major obstacles for m-money uptake; business models of partnering institutions; payment behavior of users and nonusers (banked and unbanked), in particular where they receive funds and how they use money, including alternative means; and existing and potential agents networks, their requirements to run m-money as a viable business, and their training needs. This report provides detailed information on Thailand regarding five main topics, business models, money flows and demand, potential user perceptions and behavior, regulation, and agent networks.en-USCC BY-NC-ND 3.0 IGOACCESS TO ATMACCESS TO ATMSACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESSIBILITYACCOUNTINGADVISORY SERVICESAFFILIATESAGRICULTURAL COOPERATIVESANTI-MONEY LAUNDERINGATM CARDATM CARDSATM NETWORKATM NETWORKSATM PENETRATIONAUTOMATED TELLER MACHINESB2BBALANCE INQUIRIESBALANCE INQUIRYBANK ACCOUNTBANK ACCOUNTSBANK BRANCHBANK BRANCHESBANK CHARGESBANK CUSTOMERBANK CUSTOMERSBANK DEPOSITSBANK OF THAILANDBANK SERVICESBANKING INDUSTRYBANKING NETWORKSBANKING SECTORBANKING SERVICEBANKING SERVICESBANKING SYSTEMBANKSBUSINESS CENTERSBUSINESS DEVELOPMENTBUSINESS INPUTSBUSINESS MODELBUSINESS MODELSBUSINESS NEEDSBUSINESS OWNERBUSINESS SECTORSBUSINESS STRATEGIESBUSINESS STRATEGYBUSINESS SUCCESSBUSINESS TO BUSINESSBUSINESS TRANSACTIONSBUSINESS-TO-BUSINESSCAPABILITIESCASH MANAGEMENTCASH PAYMENTCASH PAYMENTSCASH WITHDRAWALCASH WITHDRAWALSCELL PHONESCENTRAL BANK OF SRI LANKACHECKING ACCOUNTCHECKING ACCOUNTSCOMMERCIAL BANKSCOMMUNICATIONS TECHNOLOGYCOMPETITIVENESSCONSUMER GOODSCONSUMER PROTECTIONCOOPERATIVESCREDIT CARDCREDIT CARDSCREDIT GUARANTEECREDIT UNIONSCUSTOMER BASECUSTOMER SERVICEDEBIT CARDDEBIT CARDSDEPOSITDEPOSITSDEVELOPMENT BANKDISTRIBUTION NETWORKSE-BANKINGE-DOCUMENTSE-MONEYE-PAYMENTE-PAYMENTSEARNINGSECONOMIC DEVELOPMENTECONOMIC GROWTHECONOMIES OF SCALEELECTRONIC COMMERCEELECTRONIC DATAELECTRONIC MONEYELECTRONIC PAYMENTELECTRONIC TRANSACTIONELECTRONIC WALLETELECTRONIC WALLETSEMPLOYEEENTERPRISE DEVELOPMENTENTREPRENEURENTREPRENEURSEXCHANGE RATEEXPATRIATEFARMERSFINANCE COMPANIESFINANCESFINANCIAL ACCESSFINANCIAL DEVICESFINANCIAL INFRASTRUCTUREFINANCIAL INSTITUTIONSFINANCIAL LITERACYFINANCIAL SYSTEMFINANCIAL TRANSACTIONSFIXED COSTSFOREIGN BANKSFORMAL BANKINGFORMAL BANKING SYSTEMFORMAL FINANCIAL SERVICESGENDERGOVERNMENT OFFICEGOVERNMENT OFFICESGOVERNMENT POLICYHOUSEHOLDSHOUSINGICTIDIDENTIFICATION NUMBERIDENTITY MODULEINCOME DISTRIBUTIONINCOME GROUPSINEQUALITYINITIAL INVESTMENTINSURANCEINTERNAL BUSINESSINTERNATIONAL FINANCEINTERNATIONAL LAWINTEROPERABILITYINVENTORYINVESTMENT OPPORTUNITIESISLAMIC BANKJOINT VENTUREKEY CHALLENGESLAWSLICENSELICENSESLOANMANAGEMENT ACCOUNTINGMARKET SEGMENTMARKET SEGMENTSMARKETINGMASS MARKETMASS TRANSITMATERIALMEDIUM ENTERPRISESMERCHANTMERCHANTSMICROCREDITMICROFINANCEMICROFINANCE INSTITUTIONSMICROFINANCE LOANSMIGRATIONMOBILE ACCESSMOBILE COMMUNICATIONSMOBILE NETWORKMOBILE PHONEMONEY TRANSFERMORTGAGENEW BUSINESSNEW COMPANYNEW ENTRANTSNEW TECHNOLOGIESNICHE MARKETOUTREACHOUTSOURCINGPACKET RADIOPACKET RADIO SERVICEPAYMENT METHODSPAYMENT PROCESSORSPAYMENT SERVICESPAYMENT SYSTEMPAYMENT SYSTEMSPAYMENT TRANSACTIONSPEER REVIEWPENSIONSPOINT OF SALEPOINT-OF-SALEPROFITABILITYPROJECT MANAGEMENTPROPRIETORSHIPSPROTOCOLPUBLIC TRANSPORTPUBLIC TRANSPORTATIONQUERIESRECEIPTSRECESSIONREFUGEESREGULAR PAYMENTSREGULATORY ENVIRONMENTREGULATORY FRAMEWORKRELIABILITYREMITTANCEREMITTANCESRETAIL CONSUMERREVOLVING FUNDSSAVINGSSAVINGS ACCOUNTSAVINGS ACCOUNTSSAVINGS BANKSEARCHSECURE PLATFORMSECURITIESSERVICE PROVIDERSERVICE PROVIDERSSMALL BUSINESSSMALL BUSINESSESSMALL FARMERSMALL FARMERSSMALL-VALUE TRANSACTIONSSOURCE OF INFORMATIONSTART-UPSUBSIDIARYSUPERMARKETSUPPLY CHAINTAX CREDITSTELECOMTELECOMMUNICATIONSTELECOMMUNICATIONS EQUIPMENTTELECOMMUNICATIONS INDUSTRYTERRORISMURBAN AREASURBANIZATIONUSERUSERSUSESVALUE CHAINVILLAGEVILLAGE FUNDSVILLAGESVOIPWAGESWIRELESS APPLICATION PROTOCOLWorking PaperInternational Finance Corporationhttps://doi.org/10.1596/21744