What Else is Necessary to Reach Scale?

A Focus on the User Experience

Is the payment interface simple and intuitive for the consumer to use?

Access Points are Readily Available

Are there enough billers, merchants, agents, branches, and ATMs to support consumer need to transact, cash-in, cash-out?

Network and Service Availability is High Enough

Is network coverage available, is it consistent, and is it reliably “on” when it needs to be?

System Governance is in Place

Is a pro-poor governance scheme in place for the payment system? Are licensed bank and non-bank providers treated equitably?

Next Section: Section 3: Around the World