Research reports on African money movement
Quarterly research from the team behind MomoCalc — drawing on the site's live provider fee and FX data plus cited external benchmarks (World Bank, GSMA, central banks). Open data, transparent methodology, citation-friendly. Charts free to embed with attribution.
The Cost of Cash in Nigeria: What POS Agents Really Charge
Accessing your own cash in Nigeria has a regulated cost (0.5%) and an actual cost (2-4%). The gap is a de facto tax on cash — on an openly-stated model, roughly ₦144-324 billion a year, paid hardest by the cash-dependent. Modeled, dated, sourced.
The True Cost of Sending Money Within Africa
Cost data on 11 intra-African routes — provider fee + FX margin + cash-out. The MomoCalc average sits above the World Bank's global benchmark and well above the UN SDG 10.c target of 3%.
What did your card purchase really cost? — calculator + report
Interactive calculator that backs out the true all-in cost of a foreign card purchase from your statement. The card network (Visa/Mastercard) charges your bank about 1.5%. African issuing banks routinely charge 6%-12% — the rest is bank margin.
The Remote Worker Pay Gap: What African Freelancers Lose to Fees
What a Nigerian developer earning $2,000/mo really loses by payment method — and why the hidden FX rate (official vs parallel), not the visible fee, is usually the bigger cost. Modeled, dated, sourced.
More reports coming each quarter. Topics in queue: mobile-money fee compression across East Africa (Q3 2026), the FX margin landscape on remittance apps (Q3 2026), PAPSS bank-tariff pass-through (Q4 2026).