Page 12 - Methodology for measurement of Quality of Service (QoS) Key Performance Performance Indicators (KPIs) for Digital Financial Services

Methodology for measurement of

QoS KPIs for DFS

2 INTRODUCTION

Regulators of both the financial and the telecommuni- The present document is based on the recommenda-
cation sectors are encouraged to collaborate in using tions for end-to-end QoS KPI definitions first published in
the present report as an initial toolbox for the assess- the Focus Group Technical Report QoS and QoE aspects
ment of DFS related aspects of QoS and as far as pos- of Digital Financial Services by the ITU-T Focus Group
sible as QoE. Digital Financial Services. It details the methodology and
DFS applications preferred by customers will swiftly connects to a field test using this methodology, which
change in functionality, structure and thus also in com- has been conducted in Ghana in the first half of 2018.
plexity. These swift changes will differ by country or Money transfer from end user’s devices to other de-
region and international interoperability will add even vices or to other entities has become an important el-
more complexity. ement of everyday life in many countries. This service,
There is not and there will not be a particular QoS however, relies on the functionality of mobile networks.
and QoE test suite that could be applied to all DFS ap- Therefore, a connection exists between the functioning
plications. Therefore, the challenge for regulators of and the QoE of money transfer services, and the QoS
both sectors is to standardize QoS and QoE test suites and proper functioning of those mobile networks, and
tailored to the needs in their country or region such that respective quality metrics and testing methodologies
customers can rely on smoothly flowing DFS services need to be defined.
can be trusted alike the many other utilities keeping an The main part of the present document describes the
economy up and running. testing methodology and concludes with a summary of
It is however important to know for regulators that lessons learned from conducting the pilot field trial and
they are not left alone with this challenge. International a proposed way forward.
SDO like the ITU have started work items planning to Annex A provides examples for basic tests on a tar-
come up with new standards in the field of QoS and get service prior to setting up a testing campaign. An-
QoE for DFS. As this work is contribution driven, regu- nex B describes an example set of procedures used to
lators are encouraged to actively participate in the work ensure proper set-up and functioning of systems used
in this sector to make sure that these standards are op- for testing. Annex C describes details on the set-up
timally suited to their needs. and specifics of devices when using the circular testing

10 • Methodology for measurement of Quality of Service (QoS) Key Performance Indicators (KPIs) for Digital Financial Services