Western Union has initiated piloting a mobile money transfer scheme for Phillipino workers in Hawaii and the United Arab Emirates, both countries with significant financial flows to the Philippines, where many users’ handsets are equipped with mobile wallet capabilities. The uniqueness of this trial is the degree to which the Philippines has retail and business structure where m-wallets can be used. Almost 6000 locations around the country can transact in this way.

The process is as follows:
•   On the Hawaiian/UAE side, senders simply give cash at the test locations in UAE and Hawaii
•   Western Union then encodes and sends transactions to recipients back in the Philippines.
•   Recipients can choose to transact directly from their m-wallets or convert stored credit into cash at    participating stores.
However, senders still need to visit particular locations, recipients are now freed from transacting at a limited number of outlets.
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