Introduction Acronyms and definitions Methodology, sample size and key points Profile of respondents Product adoption status, revenue share projections and investment outlook Organizations status on mobile money product offerings 11 Projected change in investment on mobile money services over the next two year Expected contribution by mobile money towards overall revenue during the next two years Key drivers, challenges and growth prospects Major factors influencing mobile money usage over the next two years Trends expected to significantly impact mobile money during the next two years Expected change in growth prospects of product offerings over the next two years Regional growth outlook for mobile money over the next two years Barriers towards future growth outlook of mobile money Appendix

Distribution of survey respondents by region, 2015 Distribution of survey respondents by company type, 2015 Distribution of survey respondents by size (turnover), 2015 Distribution of survey respondents by position, 2015 Current adoption and future plans around mobile money services, 2015-2016 Top five mobile money services in North America and Latin America as measured by the sum of respondents currently using and respondents planning to adopt each type of mobile money service, 2015-2016 Top five mobile money services in Europe, Asia and Middle East/Africa as measured by the sum of respondents currently using and respondents planning to adopt each type of mobile money service, 2015-2016 Top five mobile money services by size of company as measured by the sum of respondents currently using and respondents planning to adopt each type of mobile money service, 2015-2016 Change survey respondents expect in investment in mobile money services over the next two years,by region and globally Change survey respondents expect in investment in mobile money services over the next two years, by size of company Change survey respondents expect in investment in mobile money services over the next two years, by type of company Percent of revenue that survey respondents expect will come from mobile money services in the next two years, global Percent of revenue that survey respondents expect will come from mobile money services in the next two years,by size of company Percent of revenue that survey respondents expect will come from mobile money services in the next two years,by type of company Leading factors driving mobile money usage in the next two years as measured by share of respondents who believe each factor will be a positive driver Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver: North America and Latin America Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver: Europe, Asia-pacific, Middle East and Africa Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver, by size of company Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver, by type of company Top trends significantly impacting mobile money over the next two years according to survey respondents Top four trends significantly impacting mobile money over the next two years according to survey respondents in North America and Latin America Top four trends significantly impacting mobile money over the next two years according to survey respondents in Europe, Asia-Pacific and Middle East and Africa Top four trends significantly impacting mobile money over the next two years according to survey respondents by size of company Top four trends significantly impacting mobile money over the next two years according to survey respondents by type of company Expected growth in the following mobile money product categories in the next two years Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years in North America and Latin America Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years in Europe, Asia-Pacific and Middle East and Africa Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years, by size of company Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years, by type of company Share of respondents expecting “significant” growth in mobile money over the next two years in each region Share of respondents in North America and Latin America expecting “significant” growth in mobile money over thenext two years in each region Share of respondents in Europe, Asia-Pacific and Middle East and Africa expecting “significant” growth in mobile moneyover the next two years in each region Share of respondents expecting “significant” growth in mobile money over the next two years in each region, by company size 39 Share of respondents expecting “significant” growth in mobile money over the next two years in each region, by type of company Share of respondents expecting the factors outlined below to inhibit growth in mobile money in the next two years Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, North America and Latin America Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, Europe, Asia-Pacific and Middle East and Africa Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, by size of company Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, by type of company Distribution of survey respondents by region, 2015 Distribution of survey respondents by company type, 2015 Distribution of survey respondents by size (turnover), 2015 Distribution of survey respondents by position, 2015 Current adoption and future plans around mobile money services, 2015-2016 Top five mobile money services in North America and Latin America as measured by the sum of respondents currently using and respondents planning to adopt each type of mobile money service, 2015-2016 Top five mobile money services in Europe, Asia and Middle East/Africa as measured by the sum of respondents currently using and respondents planning to adopt each type of mobile money service, 2015-2016 Top five mobile money services by size of company as measured by the sum of respondents currently using and respondents planning to adopt each type of mobile money service, 2015-2016 Change survey respondents expect in investment in mobile money services over the next two years,by region and globally Change survey respondents expect in investment in mobile money services over the next two years, by size of company Change survey respondents expect in investment in mobile money services over the next two years, by type of company Percent of revenue that survey respondents expect will come from mobile money services in the next two years, global Percent of revenue that survey respondents expect will come from mobile money services in the next two years,by size of company Percent of revenue that survey respondents expect will come from mobile money services in the next two years,by type of company Leading factors driving mobile money usage in the next two years as measured by share of respondents who believe each factor will be a positive driver Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver: North America and Latin America Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver: Europe, Asia-pacific, Middle East and Africa Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver, by size of company Top four factors driving mobile money usage in the next two years as measured by share of survey respondents citing factor as a driver, by type of company Top trends significantly impacting mobile money over the next two years according to survey respondents Top four trends significantly impacting mobile money over the next two years according to survey respondents in North America and Latin America Top four trends significantly impacting mobile money over the next two years according to survey respondents in Europe, Asia-Pacific and Middle East and Africa Top four trends significantly impacting mobile money over the next two years according to survey respondents by size of company Top four trends significantly impacting mobile money over the next two years according to survey respondents by type of company Expected growth in the following mobile money product categories in the next two years Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years in North America and Latin America Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years in Europe, Asia-Pacific and Middle East and Africa Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years, by size of company Top five mobile money product categories as measured by the sum of respondents expecting the category to grow “significantly” or “somewhat” in the next two years, by type of company Share of respondents expecting “significant” growth in mobile money over the next two years in each region Share of respondents in North America and Latin America expecting “significant” growth in mobile money over thenext two years in each region Share of respondents in Europe, Asia-Pacific and Middle East and Africa expecting “significant” growth in mobile moneyover the next two years in each region Share of respondents expecting “significant” growth in mobile money over the next two years in each region, by company size 39 Share of respondents expecting “significant” growth in mobile money over the next two years in each region, by type of company Share of respondents expecting the factors outlined below to inhibit growth in mobile money in the next two years Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, North America and Latin America Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, Europe, Asia-Pacific and Middle East and Africa Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, by size of company Top four challenges facing the mobile money market as measured by the share of respondents citing the factoras an inhibitor, by type of company