This paper was written in partnership with International Finance Corporation (IFC) to look at how a mobile money provider could build a network of “cash in” and “cash out” points, reach rural areas, and quickly generate a high volume of users. It identified ways in which hundreds of thousands of unbanked Papua New Guineans could be brought into the system by focusing on mass payments, such as those made to coffee and cocoa growers, and salaries paid to teachers, nurses and other government employees. The report gained attention in the regional media, including Radio Australia and Radio New Zealand International (RNZI).