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Hector Perez-Saiz and Preya Sharma

money agents in sub-Saharan Africa than ATMs or bank accounts. 4 Within sub-Saharan Africa, East Africa is the clear leader in mobile money adoption and usage. Despite the success of mobile money in sub-Saharan Africa, there is a wide degree of cross-country difference (see Figure 4 ). East Africa developed an infrastructure that uniquely built upon the latent demand for mobile financial services in sub-Saharan Africa: East African countries favored a telecom-led regulatory model. In this framework, the telecom provider works with the financial regulator to