Page 178 - ITU-T Focus Group Digital Financial Services – Technology, innovation and competition

Technology, Innovation and Competition
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Exhibit 1: Competition-related issues from the perspectives of DFS market participants
Only able to provide agent/non-financial 4 services to banks or PSPs

Type of behaviour MNO- MNO/PSP- Independent Independent MNOs affiliated affiliated PSPs banks PSPs 2 banks 1 X X X X 3 X X X X X X ITU-T Focus Group Digital Financial Services Not given access to bank and/or national payment infrastructures X X 7 X X X Inability to access APIs, or integratio

Unable to operate independently in DFS ecosystem
Only one MNO allowed to offer services for DFS 6

Unable to provide full range of DFS services
Unable to operate at all in DFS ecosystem

Infrastructure & service access Inability to obtain network initiated USSD (NI-USSD) services Only able to provide bearer services to banks or PSPs Delays in obtaining shortcodes from MNOs

Licensing

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