Tanzanian telcos expand m-money services
Competition among Tanzania's network operators has encouraged them to improve and extend the capabilities of their m-money and m-payment services in recent years. In common with many other markets in the region, the poor delivery of conventional bank services has spurred the use of the mobile banking platform.
This has also improved revenue growth for the MNOs. Recently, Airtel Tanzania partnered with I&M Bank to provide a mobile wallet overdraft service, enabling subscribers to make payments even if they have insufficient funds in their digital wallets. The lack of funds had previously been a major brake on the use of m-payment services.
Tigo Pesa some years ago received the coveted GSMA Mobile Money Certification, a testimony to the resilience of the company's systems.
For its part, Halotel Tanzania has launched its HaloPesa m-banking service. The company aims to sign up an additional three million subscribers by 2023, bringing its subscriber base to at least ten million. The company's focus will remain in rural areas, where a large proportion of the population lives but where coverage by its competitors is poor, and also where conventional banking services are weakest.
Table of Contents
Key statistics- Regional Africa Market Comparison
- Market characteristics
- Market Leaders
- Market Challengers
- Market Emergents
- TMI vs GDP
- Mobile and mobile broadband penetration
- Fixed versus mobile broadband penetration
Country overview
- Telecommunications market
- Market analysis
Regulatory environment
- Regulatory authority
- National Telecommunications Policy 1997
- National ICT Policy
- Regulatory overhaul
- Electronic and Postal Communication Act 2010
- Electronic and Postal Communications Regulations 2018
- Fixed-line developments
- Mobile network developments
Mobile market
- Market analysis
- Mobile statistics
- Mobile infrastructure
- Major mobile operators
- Mobile content and applications
Fixed-line broadband market
- Introduction and statistical overview
- Broadband infrastructure
Digital economy
- E-health
- E-learning
Fixed network operators
- TTC
- Zantel
- Smart
Telecommunications infrastructure
- TTC's fixed-line network
- Wireless local loop (WLL)
- Private networks
- National fibre backbone
- International infrastructure
Appendix Historic data
- Glossary of abbreviations
- Related reports
List of Tables
- Table 1 Top Level Country Statistics and Telco Authorities Tanzania 2022 (e)
- Table 2 Change in average mobile tariffs (TZS per minute) 2012 2021
- Table 3 Growth in the number of mobile subscribers and penetration 2012 2027
- Table 4 Mobile voice subscriber market share by operator 2012 2021
- Table 5 Average use of services per subscriber 2012 2021
- Table 6 Change in mobile voice traffic by type (million minutes) 2014 2021
- Table 7 Growth in the number of SMS sent 2012 2021
- Table 8 Growth in the number of active mobile broadband subscribers and penetration 2012 2027
- Table 9 Growth in the number of internet users and penetration rate 2012 2021
- Table 10 Growth in the number of TTC' mobile subscribers 2012 2021
- Table 11 Growth in the number of Vodacom Tanzania's mobile subscribers 2012 2021
- Table 12 Development of Vodacom Tanzania's revenue 2016 2022
- Table 13 Development of Vodacom Tanzania's mobile ARPU (TZS per month) 2012 2022
- Table 14 Growth in the number of Airtel Tanzania's mobile subscribers 2012 2021
- Table 15 Development of Tigo Tanzania's financial data ($ million) 2017 2021
- Table 16 Increase in the number of Tigo Tanzania's mobile subscribers 2012 2021
- Table 17 Change in the number of Zantel's mobile subscribers 2012 2021
- Table 18 Growth in the number of Halotel's mobile subscribers 2015 2021
- Table 19 Mobile money subscriptions by operator 2015 2021
- Table 20 Share of mobile money subscriptions by operator 2015 2021
- Table 21 Growth in the number of fixed-line broadband subscribers 2012 2027
- Table 22 Cable modem broadband subscribers 2012 2019
- Table 23 Fixed wireless internet subscribers 2013 2019
- Table 24 Decline in the number of Smart's mobile subscribers 2015 2019
- Table 27 Growth in international internet bandwidth 2012 2020
- Table 28 Historic - Fixed interconnection rates 2013 2017
- Table 29 Historic - Average mobile tariffs 2005 2011
- Table 30 Historic - Mobile subscribers and penetration rate 1995 2011
- Table 31 Historic - Vodacom Tanzania data subscribers 2013 2016
- Table 32 Historic - Vodacom Tanzania ARPU ($) 2003 2014
- Table 33 Historic - Vodacom Tanzania ARPU (TZS) 2011 2016
- Table 34 Historic - TTC mobile subscribers 2006 2011
- Table 35 Historic - Vodacom Tanzania subscribers 2000 2011
- Table 36 Historic - Airtel Tanzania subscribers 2002 2011
- Table 37 Historic - Millicom Tanzania mobile subscribers 2000 2011
- Table 38 Historic - Zantel's mobile subscribers 2000 2011
- Table 39 Historic - Internet users and penetration rate 1999 2011
- Table 40 Historic - Fixed-line internet subscribers 2001 2011
- Table 41 Historic - Fixed-line broadband subscribers 2015 2011
- Table 42 Historic - Cable modem broadband subscribers 2005 2011
- Table 43 Historic - TTC financial data (TZS billion) 2010 2014
- Table 44 Historic - Fixed lines in service by operator and teledensity 1999 2011
- Table 45 Historic - Fixed lines in service 1995 2011
- Table 46 Historic - International bandwidth 2001 2011
List of Charts
- Chart 1 Africa Telecoms Maturity Index Market Leaders
- Chart 2 Africa Market Leaders global ranking
- Chart 3 Africa Telecoms Maturity Index Market Challengers
- Chart 4 Africa Market Challengers global ranking
- Chart 5 Africa Telecoms Maturity Index Market Emergents
- Chart 6 Africa Market Emergents global ranking
- Chart 7 Africa Telecoms Maturity Index vs GDP per capita
- Chart 8 Africa Mobile subscriber penetration vs mobile broadband penetration
- Chart 9 Africa Fixed and mobile broadband penetration
- Chart 10 Change in average mobile tariffs 2012 2021
- Chart 11 Growth in the number of mobile subscribers and penetration 2012 2027
- Chart 12 Mobile voice subscriber market share by operator 2012 2021
- Chart 13 Growth in the number of SMS sent 2012 2021
- Chart 14 Growth in the number of active mobile broadband subscribers and penetration 2012 2027
- Chart 15 Growth in the number of internet users and penetration rate 2012 2021
- Chart 16 Growth in the number of TTC' mobile subscribers 2012 2021
- Chart 17 Growth in the number of Vodacom Tanzania's mobile subscribers 2012 2021
- Chart 18 Development of Vodacom Tanzania's revenue 2016 2022
- Chart 19 Development of Vodacom Tanzania's mobile ARPU 2012 2022
- Chart 20 Growth in the number of Airtel Tanzania's mobile subscribers 2012 2021
- Chart 21 Increase in the number of Tigo Tanzania's mobile subscribers 2012 2021
- Chart 22 Change in the number of Zantel's mobile subscribers 2012 2021
- Chart 23 Growth in the number of Halotel's mobile subscribers 2015 2021
- Chart 24 Mobile money subscriptions by operator 2015 2021
- Chart 25 Share of mobile money subscriptions by operator 2015 2021
- Chart 26 Growth in the number of fixed-line broadband subscribers 2012 2027
- Chart 27 Decline in the number of Smart's mobile subscribers 2015 2019
- Chart 29 Growth in international internet bandwidth 2012 2020
List of Exhibits
- Exhibit 1 Map of Telecom Maturity Index global ranking among countries in Africa
- Exhibit 2 Generalised Market Characteristics by Market Segment
- Exhibit 3 Africa Market Leaders and market developments
- Exhibit 4 Africa Market Challengers and market developments
- Exhibit 5 Africa Market Emergents and market developments
- Exhibit 6 700MHz spectrum auction June 2018
- Exhibit 7 2Africa landing stations
