This document offers guidance for policy officers, project managers, donors and implementation partners on managing risks in cloud computing. It focuses particularly on microfinance and mobile money (m-money) services, which demonstrate the promise and perils of relying on cloud services.

The document outlines a systematic approach to procuring cloud based services and a checklist of issues to consider in concluding a contract for cloud based services. It also discusses regulatory issues raised by the cloud computing paradigm in mobile financial services.