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Cambodia

Market Characteristics
Population Urban Population Mobile Penetration Financial Penetration Bank Branches Bank Accounts Adult Literacy Rate GDP PPP 14.7 mn 20% (3.2 % change) 62.59 % 20.00 % 3.92 per 100,000 adults 95.83 per 1,000 adults 76.32 % $2,100

Domestic Financial Flows


Cash Payments Direct Credits $13,059 million $23,777 million

International Remittances
Inbound % of GDP Inbound Total Top Inbound Countries Outbound Total Top Outbound Countries 2.96 % $338 million United States of America, France, Australia $215 million Thailand, Vietnam, China

Cambodia
Mobile Communications
Ranking Operators Total 1 MetFone (Viettel) 2 Cellcard (MobiTel) 3
Hello (Axiata)

Subscribers
10,454,124 4,000,000 2,552,484 1,100,000 959,109 757,000 698,282 282,358 104,891

Market Share Postpaid share Prepaid share Market Penetration % 38.26 24.42 10.52 9.17 7.24 6.68 2.70 1.00 % 30.96 46.15 6.60 4.44 8.34 0.37 2.28 0.86 % 38.42 23.96 10.60 9.27 7.22 6.81 2.71 1.01
62.59% 23.95% 15.28% 6.59% 5.74% 4.53% 4.18% 1.69% 0.63%

4 Smart Mobile (Latelz) 5 Beeline (VimpelCom) 6 8


Mfone (Thaicom)

7 Qb (CADCOMMS)
Excell (GT-TELL)

Mobile Money/ Airtime Top up Deployments


Name WING Year 2008 Operators Mfone, Hello, Qb, Metfone, Smart, Beeline MobiTel Bank Partner ANZ Offering
Airtime Top Up, Domestic Money Transfer
Airtime Top Up , Bill Payment, Domestic Money Transfer Airtime Top Up only

Wallets

Tech Partner Comviva

Service delivery
USSD2

CellCard Cash eXPay Service

2010

UCB

Utiba

USSD2

2011

Excell

Agent Based

Cambodia
Mobile Banking/Money/Remittance offered by Banks
Bank Name Acleda Year 2010 Operators
Multi-Operator

Bank Partner Acleda

Offering
Airtime Top Up, Domestic Money Transfer, Bill Payment

Wallets

Tech Partner M-COM

Service delivery
Web, App

Remittance without mobile


Bank Name Advanced Bank of Asia Service
MoneyGram

Offering
Domestic Money Transfer

Cambodia Asia Bank

Branch based Remittance

Domestic Money transfer

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