Page 183 - The Digital Financial Services (DFS) Ecosystem

ITU-T Focus Group Digital Financial Services
Ecosystem

Possible Impact of Electronic Commerce
Segment Possible Impact on Banking
Platforms
M7 Increase in omni-channel marketing and Positive: would reduce cash processing and enable
Large Retailer sales likely more revenue-generating electronic transactions
Data commerce becomes more powerful (assuming "receiver pays" scenario)
and could generate some level of meaningful
revenues for providers
M8 Could accelerate overall adoption of elec- Positive: would reduce cash processing and enable
Government tronic payments across segments more revenue-generating electronic transactions

4.4 Priority Segments and Supporting Business Models

Which merchant segments are the most important to pursue, keeping the goals of financial inclusion in mind?
The table below presents some suggestions for clusters of segments to pursue.

• Larger merchants where the merchant-discount-fee revenue model used in the developed world may
apply
• Mid-sized merchants where revenue from associated lending (merchant or consumer) and/or rich/poor
subsidies is likely to form the most significant part of the business model
• Smaller merchants where a combination of rich/poor subsidies and government support may apply

Table 4 – Priority Segments for Financial Inclusion and Supporting Revenue Models

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