aspg-37-4397-1792223287 20261017074807 American Scientific Publishing Group admin@americaspg.com American Scientific Publishing Group Financial Technology and Innovation FinTechI 2836-5372 2024 4 1 Heba Moselhy Business Administration Department, Delta Higher Institute for Management and Accounting Information Systems, Egypt Dina K. Hassan Faculty of Commerce, Kafr El Sheikh University, Egypt Mobile money has evolved into a business-critical financial technology infrastructure, yet its operating strength cannot be judged from customer scale alone. A platform may report rapid growth in registered accounts, transaction value, or agent coverage while still facing service fragility when active agents do not expand at the same pace as transaction demand. This study develops a business analytics model for evaluating active agent capacity, customer activation, transaction intensity, and liquidity pressure as connected dimensions of mobile money operations. The empirical analysis uses public aggregate indicators from mobile money industry reporting and demand-side financial inclusion indicators from the Global Findex database. The model distinguishes between three managerial questions that are often combined in practice: whether customers are becoming active users, whether agents are becoming productive service points, and whether transaction value places increasing pressure on the active agent base. The results show that transaction value and transaction volume grow more rapidly than customer scale, while registered agent expansion exceeds active agent growth. Scenario analysis indicates that agent reactivation can reduce liquidity pressure, whereas customer activation without corresponding service-capacity expansion increases operational stress. The study contributes a practical measurement lens for FinTech managers, payment providers, investors, and regulators seeking to scale mobile money while maintaining reliable last-mile service capacity. 2024 12 17 4397 https://creativecommons.org/licenses/by/4.0/ 10.54216/FinTech-I.040102 https://americaspg.com/journal/37/article/4397 https://americaspg.com/storage/articles/manuscripts/01KTY10A62SE6FPGHRJZB9X69F.pdf