The Kingdom of Cambodia, is a country located in the southern portion of the Indochina Peninsula in Southeast Asia. It is bordered by Thailand to the northwest, Laos to the northeast, Vietnam to the east and the Gulf of Thailand to the southwest. Link to external site : Website for Cambodia |  |
| Wallets | |
| Development | Developing |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
8,349.79 Register/Log In |
| HDI classification | Medium |
| Mobile Connections (m) |
12.013 Upgrade to Bronze |
| Currency | KHR |
| Class | |
| CountryISO | KH |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["MetFone (Viettel)",4280250],["Cellcard (MobiTel)",2672557],["Hello (Axiata)",1485000],["Smart Mobile (Latelz)",1325000],["Beeline (VimpelCom)",1000685],["Rest ( 3 )",1249407]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",205219],["Q4 2001",299568],["Q4 2002",478314],["Q4 2003",625338],["Q4 2004",862386],["Q4 2005",1135112],["Q4 2006",1577966],["Q4 2007",2498813],["Q4 2008",3897886],["Q4 2009",6804704],["Q4 2010",9239685],["Q4 2011",11724689],["Q4 2012",13893592],["Q4 2013",15753317],["Q4 2014",17313184]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["ATM",2],["Mobile",1],["Web",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",2],["MNO",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["BB",1],["MM",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["AT",1],["BB",1],["BP",1],["DMT",2],["IMT",1],["MM",1],["MP",1],["MW",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Account",1],["Card",1],["Cash",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Central Bank | |
| Key Regulations |
At the time of Wing, no regulations on m-banking existed (Doc 173); Single currency "Khmer Riel" allowed. IFC, WB assisted NBC to develop m-banking regulatory framework. Wing to comply with the to-be-developed regulations. Dual currency to be revisited/reviewed. |
| Type of law |
Civil Upgrade to Bronze |
| Legal System |
Civil law system (influenced by the UN Transitional Authority in Cambodia) customary law, Communist legal theory, and common law Upgrade to Bronze |
| Law is based on | |
| Approach |
Test and learn Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty |
Medium Upgrade to Bronze |
| Openness | |
| Proportionate? | |
| Allowed Models |
Jointly Led Upgrade to Bronze |
| DominantModel |
Bank Led Upgrade to Bronze |
| E-Money |
2004: No e-money schemes, no regs to cover Upgrade to Bronze |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",46.32],["Banked",20],["Internet",0],["Urban",21],["Adult",64],["Literate",76.3185]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 14.50 |
| Adult % | 64.00 |
| Migrants % |
2.00 Register/Log In |
| Stock Immigrants ('000) |
335.80 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) |
1,300.00 Upgrade to Bronze |
| Internal Migration Rate % |
11.70 Upgrade to Bronze |
| Intl Movement Rate % | |
| Urban % | 21.00 |
| Female % | 51.30 |
| Literate % | 76.32 |
| Annual Growth % |
-0.50 Upgrade to Bronze |
| Mobile Penetration % | 46.32 |
| Banked % | 20.00 |
| Access to FS % | 20.00 |
| Internet % | 0.00 |
| Branches per 100k adults | 3.69 |
| ATMs per 100k adults | 0.00 |
| POS per 100k adults | 35.55 |
| Prepaid % | 96.50 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 5.35 |
| Monthly ARPU | |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? |
Conditional Upgrade to Bronze |
| Can Market under Brand? | |
| Can issue E-Money? |
Conditional Upgrade to Bronze |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Mainstream Upgrade to Bronze |
| Registered Wallet Users |
80,000 Upgrade to Bronze |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |