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Acknowledgements
This paper was written by Jami Solli with substantial input and research from the
following persons: Assaf Klinger (Vaulto), Niyi Ajao (Nigeria Interbank Settle-
ment System), T.O. Fatukun (Central Bank of Nigeria), Md. Rashed Mohammed
(Bangladesh Financial Intelligence Unit), Amol Kulkarni (CUTS International, In-
dia), Mercy Buku (CGAP), Felicia Monye (Consumer Awareness Organisation,
Nigeria) and Prof Louis de Koker (La Trobe University, Australia). Substantive
editorial guidance was provided by Vijay Mauree and Charlyne Restivo of the
Telecommunication Standardization Bureau of the ITU.
The author would like to thank the Security, Infrastructure and Trust Working
Group for its continued assistance. The opinions expressed in this report are
those of the author and do not necessarily reflect the views of the International
Telecommunication Union or its membership.
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