In most of sub-Saharan Africa, improving financial inclusion has been driven by the adoption of mobile money. Mobile money operators (MMO) have cornered most of the growth in accounts. Mobile money aids gender equality: though a majority of account holders are men, the gender gap is smaller than for traditional accounts. The case studies and analyses in this report underscore the continuing potential for mobile transaction and savings services in Africa. Institutions deploying new services must look carefully at each market, the role and positioning of other MMOs, the underlying needs of customers, and the extent to which these needs are being met. FSPs can win significant advantages for themselves and for low-income customers by positioning services to address particular customer needs and marketing products effectively.