LIRNEasia is a regional ICT policy and regulation think tank active across the Asia Pacific


This subject has attracted considerable attention from researchers and development practitioners because of the interest in remittances and the roles they play in alleviating poverty. For instance, G-Cash and Smart Money, offered by the Philippines’ two largest GSM companies, Globe and Smart, allow users to send and receive cash and make payments for a variety of goods and services. A similar program has been implemented in Kenya called M-PESA which allows users to load money onto their phones in shops and then send it via a text message to someone else.They can also withdraw the money at another location using a password, which in Kenya can be much safer than carrying cash.

LIRNEasia intends to explore in detail the case of the Philippines, examining different modes of m-payments and related financial transactions; a classification of the multiple forms of emergent m-payments with international examples; documentation of the growth of m-payments, distinguishing between international and intra-country m-payments; the regulatory problems that have been experienced and are likely to emerge; and the barriers to use by the BOP.

This research was conducted by Erwin Alampay (PhD) in 2009.


Alampay, E. &  Bala, G. (2009), Mobile 2.0: m‐money for the BOP in the Philippines

Citation for the above report should be done as: Author Last Name, First Name Initial, (2009), Report Name, Retrieved Date, URL of document on LIRNEasia website.

The policy brief is available here.


  • Mobile 2.0: m‐money for the unbanked”  Paper presented by Erwin Alampay at Mobile communication and social policy: An international conference, Rutgers University, New Jersey, USA, 9 – 11 October 2009

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