Guide

How to Set Up Mobile Money Agent Network Operations

9 December 2025 ·12 min read ·By ABA Editorial
Kenya flag Kenya Financial Services

Mobile money only works if agents can convert cash to digital balance reliably. Building an agent network is a mix of recruitment, training, float management, fraud prevention, and commission structuring. This guide walks through how to set up agent operations in a way that actually scales beyond the first thousand agents, based on patterns from successful African mobile money operators.

Every mobile money business, every neobank that accepts cash deposits, and every consumer fintech that needs physical cash-in and cash-out points eventually has to build an agent network. The mechanics of agent operations are unglamorous. They are also the single most important determinant of whether a mobile money pro...

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