Page 33 - ITU-T Focus Group Digital Financial Services – Consumer Experience and Protection

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

• HTTPS session failure ratio [%]

• HTTPS session time [s]
• HTTPS data transfer cut-off ratio [%]
NOTE: The above implies that the networks are a “uniform bit pipe” which can be characterized with one
type of service (e.g. web browsing or upload/download) and the results being extrapolated to the behaviour
of other services using the same “carrier (the http protocol level of packet data). This cannot be taken for
granted in all cases.

Also, the fact has to be considered that a typical DFS use case needs a couple of round trips for an end to end
completion of a transaction.

Of course there is the problem that actual end to end tests for DFS also mean that real money is transferred.
However, to establish the necessary level of trust or safety, it needs to be seen how close to the “real thing”
tests have actually to be. At least a kind of monitoring, tracking how accurate such extrapolations actually are
is suggested.

4.3 Guidance related to mobile networks

This section discusses possible ranges for target values for selected KPIs.

NOTE: With an end to end DFS service description available, which would identify the “component services”,
a somewhat more “integrated” view could be provided. In such a view, target values would be integrated,
coming from a “top level” view which can be related to requirements on lower levels.

4.3.1 USSD service non-accessibility [%]

The USSD service non-accessibility is the probability that the end-user cannot access the Unstructured
Supplementary Service Data (USSD) when requested while it is offered by display of the network indicator
on the UE.

• Target: 2% - 1% - 0.5% ?
NOTE: This KPI and its technical basis are currently not standardized and therefore cannot be assessed in a
comparative manner.

4.3.2 USSD completion failure ratio [%]

Definition under study.
• Target: 1% - 0.5% - 0.1% ? Or even 0% ??

NOTE: This KPI and its technical basis are currently not standardized and therefore cannot be assessed in a
comparative manner.

4.3.3 USSD end-to-end delivery time [s]

Definition under study.

• Target values:
– 60 sec for 90%, 120 sec for 100%
– 30 sec for 95%, 90 sec for 100%
– 10 sec for 98%, 30 sec for 100% ?

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