Humanitarian mobile money disbursements are often hampered by liquidity and performance constraints throughout the cash delivery ecosystem – from Retail Agents to mobile money service providers. This report documents and provides an analysis of the challenges encountered in the process of delivering humanitarian bulk payments and presents key recommendations for humanitarian organizations, mobile money service providers, and donors alike to overcome these constraints.

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This report presents an analysis
 of the challenges that displaced populations face 
in accessing services and achieving self-reliance in
 Dar es Salaam, Tanzania, a developing and fast-growing city.