Page 29 - ITU-T Focus Group Digital Financial Services – Consumer Experience and Protection

ITU-T Focus Group Digital Financial Services
Consumer Experience and Protection

3.2 Conclusions for use case #2

Seven different techniques are discussed in Annex B which might be used in conjunction with DFS offers for
use case #2.

As per availability on smartphones, HTTPS based solutions appear to be the optimal carrier technology for DFS.

3.3 Conclusions related to the fitness for DFS

A successful introduction of DFS via a mobile network requires fitness of the whole environment used, which is

– Fitness of the mobile network, to provide a minimum level of availability and accessibility
– Fitness of the mobile network to provide the services required for realization of DFS

– Fitness of mobile devices used, to support the basic services used to realize DFS
– Fitness of the DFS service itself to provide useable interfaces
– Fitness of users to successfully use DFS. This may include the necessary skills to operate DFS on phones
as well as basic understanding of properties of DFS in general, to protect users against exploitation of
insufficient knowledge
– Fitness of the general society and the governmental institutions for DFS
The following subsections contain decision diagrams, figures 3 to 7 which are meant to facilitate the discussion
between stakeholders in the different regions or countries. The diagrams do not contain any numbers or
specific target values. This is by intention, because target values acceptable for all stakeholder will vary from
region to region and from country to country.

The term "Major Events" used throughout the five diagrams refers to work in progress in ITU-T SG12, Question
12, aiming at QoS in mobile networks during major events, as for example, major sports events.

3.3.1 Fitness of a mobile network for DFS

Figure 3: Decision diagram for fitness of a mobile network for DFS

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