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Maldives - Mobile Phone Banking Project (Inglês)

Ratings for the Mobile Phone Banking Project for Maldives were as follows: outcomes were unsatisfactory, risk to development outcome was high, Bank performance was moderately unsatisfactory, and Borrower performance was unsatisfactory. Some lessons learned included: this project has also demonstrated the need for meaningful consultations with all stakeholders at all times. Simply relying on the power and influence of the government to force the participation of an unwilling participant did not work in this case. On the other hand, continuous and regular consultations at every step of the project, and listening carefully to the needs of the participants, could have been more effective in ensuring greater commitment and ownership from the stakeholders. Shifting course during project implementation, when a critical event that significantly impacts project completion is triggered, is an essential element of good project management. In this project it seems that the project team never attempted to change course during the six years of the project period. Often there are different paths that can be taken to achieve the same goal and this project might have had a more successful end if the project had been restructured when it was facing challenges. Another key lesson is the importance of defining the project development objective and to link it closely with a results framework (outcome and output indicators) that allows accurate measurement of progress towards achieving the project goal. Some project components were not adequately linked to the PDO or the performance indicators. As a result, it was difficult for the project team to accurately assess project achievements and ratings (even though these components were successfully implemented).


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    Conclusão da Implementação e Relatórios sobre Resultados

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    Sul da Ásia,

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    Maldives - Mobile Phone Banking Project

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    Finance & Private Sector Development;society for worldwide interbank financial telecommunication;Consultative Group to Assist the Poor;Economic Internal Rate of Return;Combating the Financing of Terrorism;stakeholder need;central bank of sri lanka;access to financial service;improving access to finance;legal and regulatory framework;economic and financial analysis;Project Preparation and Appraisal;Regulation and Competition Policy;learning and innovation loan;ip disbursements archived;country financial accountability assessment;public financial management system;small and medium enterprise;mobile network;amount of cash;quality at entry;core banking system;retail payment system;public education campaign;assessment of outcome;mobile payment system;personal identification number;automated teller machine;adaptable program loan;assessment of risk;consumer price index;capital market development;application programming interface;national development plan;net present value;millennium development goal;subscriber identity module;public accounting system;investment climate assessment;quality of supervision;outputs by components;lack of infrastructure;pension value;ease of use;cost of finance;benefits of participation;dominant market position;data collection process;social safeguard policy;lack of ownership;wireless application protocol;technical evaluation committee;cash in circulation;lack of interest;mobile banking solution;top down approach;public bidding process;technical assistance grant;adult population;commercial bank;



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