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This seminar investigates the impact of mobile money usage (in the form of remittances), on both urban and rural residents of Tanzania in relation to their household consumption. The study employs Difference-in-Differences and Difference-in-Differences with Kernel Propensity Score Matching techniques to identify the impact of mobile money on the consumption of male and female users. The paper takes into account both general and farm related financial shocks. The result of the study shows evidence of consumption smoothing (both for food and non-food consumption) for mobile money users of both genders in comparison with non-users in the event of a financial shock. Evidence also shows that mobile money users in rural areas who experience farm-related shocks have higher non-food consumption compared to the control group.