Page 86 - ITU-T Focus Group Digital Financial Services – Consumer Experience and Protection
P. 86

Consumer Experience and Protection
                                   Yes
                                             Yes
                                                   Yes
                                                Yes
                                          No
                                       No
                                          No
                                                No
                                       No
                                   No
                                             No
                                                   No
                                       No
                                             No
                                          No
                                   No
                                                   No
                                                No
                                   No*
                                                Yes
                                                   No
                                             No
                                          No
                                       No
                                                Not stated
                                          Not stated
                                   Not stated
                                             Not stated
                                                   Not stated
                                       Not stated
                Is there a  Is the capital city  Does the agreement  selected as the  Does the provider seek  Is there a mandatory  limit consumer’s  venue for resolu- charge to call  indemnification for  arbitration clause? access to the judicial  tion of disputes  the customer  provider’s legal fees?  system? that cannot be  service
                Does the contract  state that there is   customer service   hot line?  Yes  Yes  Yes  Yes  Yes  Yes  Yes  No*  No  Yes  Yes  No  No*
               Does the contract  indicate what the  in house com- plaints procedure  is for resolution   of disputes?  Yes  Yes  Yes  No  Yes  No  Yes  No  No  Yes  No  No  No
            iv . Complaints, dispute resolution


                  Name of T&Cs   reviewed  M-pesa   (Safaricom)  M-shwari   (CBA/  Safaricom)  Airtel Money   Bosea  Tigo Cash  Easybank online  Airtel Money  T easy Mobile  Stanbic Mobile   Money  GetBucks  WeChat Wallet  Tigo Pesa  -- Timiza   Jumo   Wakala  EcoCash












                         Kenya     Ghana  Malawi  Nigeria   South Africa   T anzania
                  Country










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