Digital Money

Digital Money is rapidly changing the way people pay. Our 'Start Anywhere Go Everywhere' knowledge base continually tracks this complex ecosystem. New to S.A.G.E?

"There are few companies in the world who are so expertly focused on the complex topic of mobile money ... I would be very surprised if there was a better source of information out there. ..." Adam Lee, Chief Product Officer, Boku, Inc.
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Initiatives around the world

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SALVADOR"],["Americas",4,"Region_AMERICAS"],["Slovenia",4,"Country_SLOVENIA"],["Georgia",4,"Country_GEORGIA"],["Niger",3,"Country_NIGER"],["Mali",3,"Country_MALI"],["Morocco",3,"Country_MOROCCO"],["Paraguay",3,"Country_PARAGUAY"],["Bahrain",3,"Country_BAHRAIN"],["Botswana",3,"Country_BOTSWANA"],["Gabon",3,"Country_GABON"],["Guinea",3,"Country_GUINEA"],["Jordan",3,"Country_JORDAN"],["Kuwait",3,"Country_KUWAIT"],["Burundi",3,"Country_BURUNDI"],["Namibia",3,"Country_NAMIBIA"],["Nicaragua",3,"Country_NICARAGUA"],["Dominican Republic",3,"Country_DOMINICAN REPUBLIC"],["Lesotho",3,"Country_LESOTHO"],["Mozambique",3,"Country_MOZAMBIQUE"],["Slovakia",3,"Country_SLOVAK REPUBLIC"],["Uruguay",3,"Country_URUGUAY"],["Venezuela, Bolivarian Republic of",3,"Country_VENEZUELA"],["Seychelles",3,"Country_SEYCHELLES"],["Northern Europe",3,"Region_NORTHERN EUROPE"],["Croatia",3,"Country_CROATIA"],["Sierra Leone",2,"Country_SIERRA LEONE"],["Fiji",2,"Country_FIJI"],["Honduras",2,"Country_HONDURAS"],["Central African Republic",2,"Country_CENTRAL AFRICAN REPUBLIC"],["Chad",2,"Country_CHAD"],["Republic of Cyprus",2,"Country_CYPRUS"],["Guinea-bissau",2,"Country_GUINEA-BISSAU"],["Liberia",2,"Country_LIBERIA"],["Bolivia",2,"Country_BOLIVIA"],["Oman",2,"Country_OMAN"],["Albania",2,"Country_ALBANIA"],["Greece",2,"Country_GREECE"],["Malta",2,"Country_MALTA"],["Panama",2,"Country_PANAMA"],["Serbia",2,"Country_SERBIA"],["Vanuatu",2,"Country_VANUATU"],["Macau (Macao)",2,"Country_MACAU"],["Monaco",2,"Country_MONACO"],["Benin",2,"Country_BENIN"],["Mongolia",2,"Country_MONGOLIA"],["Eastern Europe",2,"Region_EASTERN EUROPE"],["Tonga",2,"Country_TONGA"],["Togo",2,"Country_TOGO"],["Myanmar (Republic of the Union of Myanmar, formerly Burma)",2,"Country_MYANMAR"],["Suriname",1,"Country_SURINAME"],["Libya",1,"Country_LIBYA"],["Mauritania",1,"Country_MAURITANIA"],["Yemen",1,"Country_YEMEN"],["Burkina Faso",1,"Country_BURKINA 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March 1, 2016 - The complexity of the gold ecosystem presents quandaries for regulators

  With us since times immemorial, Gold has proved to be one currency that has remained relatively stable despite turmoil in global financial markets. Universally accepted, and prized as a medium of exchange from ancient times, today it offers renewed … Continue reading


February 8, 2016 - Happy Chinese New Year 2016

  We wish our Chinese friends a very Happy Chinese New Year! May the Year of the Monkey hold luck and good fortune for you and your family. Photo credit: Dennis Jarvis on Flickr


January 20, 2016 - Amazon’s new Subscribe & Save Offer: Could prove sticky?

  As I report that Amazon has been making further inroads into the UK online shopping market, I realise it is probably an under-statement. As it was our go-to provider long before the holiday season it is no wonder we … Continue reading


January 3, 2016 - Global Payments – Looking back, looking forwards

  Celebrating our achievements, strategizing for the future It is easy to find fault in company launches, but as a former product manager I fully understand the courage it takes to even get to the market in the face of … Continue reading


December 25, 2015 - Warm festive greetings

  Whatever is beautiful, meaningful and brings you happiness – May it be yours this holiday season and through the coming year   Merry Christmas and a Happy New Year  


November 26, 2015 - Happy Thanksgiving

  The Shift Thought team sends our best wishes to all our American friends and their families. Happy Thanksgiving 2015! Attribution: Jean Leon Gerome Ferris [Public domain or Public domain], via Wikimedia Commons


November 9, 2015 - Bridging the Digital Divide between Banks & Micro, Small and Medium Enterprises

  In today’s guest post Sonum Puri of Accenture shares her thoughts on the opportunity in the MSME sector in developing countries and the gap in servicing their needs, reflecting on further work required for financial institutions to address these … Continue reading


October 9, 2015 - Addressing the mysteries of the Pyramid through mobile financial services

Pyramids have fascinated civilizations for centuries, with the Great Pyramid of Khufu in Egypt today remaining the only one of the Seven Wonders of the Ancient World. While the Egyptian pyramids are most famous, Nigeria, Greece, Spain, India, China, Indonesia … Continue reading


September 8, 2015 - Building an agent network for a direct-to-bank led strategy for remittances to Africa

  In this exclusive interview with Charmaine Oak of Shift Thought, Samish Kumar, CEO of cross-border payments company Transfast, shares about his vision and the recent expansion of Transfast in building a network in 23 countries across Africa. Kumar discusses … Continue reading


September 1, 2015 - Innovations in digitizing cross-border remittances

  International transfers can be inconvenient, expensive, or slow and particularly binding on migrants who need to make small value transfers. Yet while domestic money transfer has moved to the mobile channel in many cases, cross border remittances has proved … Continue reading


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Jul 20, 2016 - Paytm parent One97 Communications eyes Western Europe and U.S. markets for digital business expansion - The Tech Portal

Paytm parent One97 Communications eyes Western Europe and U.S. markets for digital business expansion But to fuel their growth, One97 is now also thinking about selling content on Paytm's marketplace, with payments driven via their digital wallet . While other companies are after generating content in bulk, One97 sets itself apart by not only providing ... and more »

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Context: One97, paytm, DW, WESTERN EUROPE, One97, paytm, Paytm Cash Wallet, paytm Payments, paytm App, Digital Wallet, Payments, paytm, Paytm2


Jul 20, 2016 - An Open Letter To The New RBI Governor From Fintech Startups - Huffington Post India

An Open Letter To The New RBI Governor From Fintech Startups Dear RBI Governor, The RBI has been a great champion for fintech startups. The support of the RBI in terms of guidance and on a policy level has allowed ... and more »

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Context: FinTech, India, RBI, FinTech, Post, India Country Viewport, ST MM India


Jul 20, 2016 - New Mastercard App Streamlines Purchase Process - Voice of America

New Mastercard App Streamlines Purchase Process In this latest expansion into the digital payment sector, Mastercard is relying primarily on partnerships with banks and their mobile offerings. "Banks already have a fantastic digital relationship with customers today ... [mobile] bank applications ... and more »

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Context: USA, DataCash Group PLC, MasterCard, Simplify Commerce, Travelex-MasterCard, DP, Travelex-Mastercard Korea, Simplify Commerce, Banknet, MasterPass Brazil, MasterPass Sweden, MasterPass Europe, Simplify Commerce, Banknet, MasterPass, Simplify Commerce


Jul 19, 2016 - UK Legislators Cast Critical Eye on Bitcoin and Blockchain at Parliament Event - CoinDesk

UK Legislators Cast Critical Eye on Bitcoin and Blockchain at Parliament Event A committee of the UK House of Lords, the upper chamber of Parliament, struck a curious and at times critical tone when discussing blockchain technology and its impact on finance and government. During an afternoon hearing of the The Economic Affairs ... and more »

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Context: UK, Blockchain, DT, Blockchain, Bitcoin Foundation, Bitcoin, Blockchain, Technology, Bitcoin, Blockchain


Jul 19, 2016 - Bank of England Does Groundwork for Central Bank Backed Digital ... - newsBTC

Bank of England Does Groundwork for Central Bank Backed Digital ... The Bank of England has proposed the introduction of a central bank backed digital currency alongside fiat banknotes. Read more... and more »

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Context: Central Bank of UNITED KINGDOM, Central Bank UK, Currency


Jul 19, 2016 - Russia to Treat Bitcoin as Foreign Currency and Enable Trading - CoinTelegraph

Russia to Treat Bitcoin as Foreign Currency and Enable Trading Nearly a week after the proposal of Party of Growth—a political party in Russia which represents the liberal free market economy—to legalize bitcoin , the Russian Ministry of Finance and the country's lawmakers are set to treat cryptocurrencies ...

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Context: RUSSIA, LEG-ARGENTINA, Bitcoin Foundation, Bitcoin, Currency, Bitcoin


Jul 19, 2016 - Absa launches Masterpass digital wallet for online shopping - BizNis Africa

Absa launches Masterpass digital wallet for online shopping Payments via the Absa Masterpass App currently gives people the power to make online purchases using the digital wallet on their smartphones, without needing to carry their bank cards with them. Absa customers will also soon be able to do in-store ... South Africa: Absa launches Masterpass App IT News Africa Do People Actually Want To Use Their Bank's Apps For Mobile Payments? ARC Tap for beauty: MasterCard launches contactless payment service in bricks-and-mortar locations GlobalCosmeticsNews (press release) Seeking Alpha  - New Zealand Herald all 32 news articles »

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Context: ABSA BANK LIMITED, NEW ZEALAND, SOUTH AFRICA, DataCash Group PLC, MasterCard, Simplify Commerce, Travelex-MasterCard, DW, AFRICA, MEA, Travelex-Mastercard Korea, Simplify Commerce, Banknet, MasterPass Brazil, MasterPass Sweden, MasterPass Europe, OTPay, Simplify Commerce, Digital Wallet, Payments, Banknet, MasterPass, OTPay, Simplify Commerce


Jul 19, 2016 - Wells Fargo officially launches mobile wallet for Android users - Charlotte Business Journal

Wells Fargo officially launches mobile wallet for Android users Wells Fargo & Co. (NYSE:WFC) customers can now “tap and pay” to cash out at stores. The San Francisco-based bank officially launched its mobile wallet for Android users Monday. The wallet is integrated into Wells Fargo's mobile app on Android phones. and more »

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Context: WELLS FARGO GROUP, MMT, Wells Fargo ExpressSend, Wells Fargo MB, Wells Fargo OB, Wells Fargo SurePay, Mobile Wallet, Wells Fargo payWave


Jul 19, 2016 - The fragmentation of US mobile payments - ATM Marketplace (press release)

The fragmentation of US mobile payments For example, consumers who prefer to make traditional payments with their bank's mobile wallet will no longer have to deal with the fact that their loyalty account only links to their favorite retailer's mobile wallet . They'll be able to easily earn ...

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Context: ATM, MMT, Loyalty, Mobile Wallet, Payments


Jul 19, 2016 - Russian Regulator Intends to Allow Bitcoin Buying and Selling Abroad - CoinDesk

Russian Regulator Intends to Allow Bitcoin Buying and Selling Abroad An official from Russia's Ministry of Finance has indicated the financial regulator now supports changes to a proposed law that would still ban bitcoin domestically but carve out provisions for its use as a foreign currency. In a new interview with ... Russia to Treat Bitcoin as Foreign Currency newsBTC Turmoil in the Financial Industry Demonstrates the Viability of Digital Currency DCEBrief (press release) all 5 news articles »

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Context: RUSSIA, LEG-ARGENTINA, Bitcoin Foundation, Bitcoin, Currency, Bitcoin


Jul 19, 2016 - Apple Pay goes live in France - Seeking Alpha

Apple Pay goes live in France Today Apple (AAPL +0.1%) launches its Apple Pay service in France, marking the eighth country it has become available in up to this point. The company confirmed this expansion at its WWDC conference last month. The United Kingdom and Switzerland ... and more »

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Context: FRANCE, SWITZERLAND, UK, Apple, Apple USA, Apple iCloud Keychain, Apple Passbook Wallet, Apple Pay, Apple


Jul 19, 2016 - No Indian bank scored above average in Forrester's 2016 global mobile banking benchmark - Business Standard

No Indian bank scored above average in Forrester's 2016 global mobile banking benchmark None of the six Indian banks including Axis Bank, Citibank India, DBS Digibank, HDFC Bank, ICICI Bank, and State Bank of India (SBI) reviewed by research firm Forrester in its 2016 Global Mobile Banking Benchmark late last week scored above the global ... Three Enigmas Facing Indian Banks: Reputation, Regulation and Resources Security Intelligence (blog) all 2 news articles »

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Context: Axis Bank, Bank of India, CITIGROUP, HDFC BANK LTD, ICICI BANK, Indian Bank, STATE BANK OF INDIA, India, Axis Indonesia, MB, Axis Bank, Bank of India, Citibank India, HDFC BANK India, ICICI BANK, Indian Bank, STATE BANK OF INDIA, Bank of India Singapore, ICICI BANK Singapore, Indian Bank Singapore, Islamic Bank of Asia, Citigroup World, USA Citi Sticker, SBI MMT for unbanked, SBI Mobile Wallet, Mobile Banking, Regulatory Changes, Security, India Country Viewport, Axis FS, ST MM India


Jul 19, 2016 - Bank of America and FIS add Apple Pay, TouchID to ATMs - New York Daily News

Bank of America and FIS add Apple Pay , TouchID to ATMs Customers who have Bank of America will simply be able to withdraw money by using Apple Pay ; meanwhile those who use Payment Alliance International's private ATMs will have to download FIS' Cardless Cash app and confirm every transaction with their ... and more »

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Context: USA, SWBAlliance, Fidelity Information Service, Metavante, Apple, BOFA, Apple USA, FIS, Apple iCloud Keychain, Apple Passbook Wallet, Apple Pay, Bank of America MB, NFC BOA microSD, FIS, Apple, Bank of America DB, NFC BOA microSD


Jul 19, 2016 - Absa launches Masterpass app - Finextra

TechCentral Absa launches Masterpass app This gives them the ability to make secure payments wherever they see the Masterpass logo, without the hassle of entering these details each time they purchase an item using their Masterpass digital wallet. “The global banking industry is faced with an ... Absa launches mobile payments app TechCentral South Africa: Absa launches Masterpass App IT News Africa Masterpass Allows Users to Shop Across Devices and Channels LowCards.com Live Bitcoin News all 32 news articles »

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Context: ABSA BANK LIMITED, SOUTH AFRICA, DW, AFRICA, MEA, Bitcoin Foundation, Bitcoin, MasterPass Brazil, MasterPass Sweden, MasterPass Europe, OTPay, Digital Wallet, Payments, Bitcoin, MasterPass, OTPay


Jul 19, 2016 - Vodacom vs MTN: best and worst mobile network in South Africa - MyBroadband

Vodacom vs MTN: best and worst mobile network in South Africa Through month-to-month contracts and high contract value, Telkom boasts a faster postpaid growth rate than any other operator. It also offers the lowest data prices in the country, but is not winning subscribers in the prepaid market . MTN, which the ... and more »

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Context: SOUTH AFRICA, Telkom Indonesia, 8ta (Telkom), Vodacom, AFRICA, MEA, Telkom Indonesia


Jul 19, 2016 - The Central Bankers' Bold New Idea: Print Bitcoins - WSJ - Wall Street Journal

The Central Bankers' Bold New Idea: Print Bitcoins - WSJ When it comes to bitcoin and digital currencies, central banks might be considering the adage: “If you can't beat them, join them.” In a research paper published ... and more »

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Context: Bitcoin Foundation, Bitcoin, Bitcoin


Jul 19, 2016 - Zenith Bank launches USSD mobile banking - Telecompaper (subscription)

Zenith Bank launches USSD mobile banking Nigeria's Zenith Bank has launched a new mobile banking service. The bank's *966# Eazybanking solution will complement the effort of the Central Bank of Nigeria (CBN) to build a cashless economy and enhance financial inclusion, reports ThisDay.

Link to source

Context: Nigeria, Central Bank of NIGERIA, MB, ZENITH BANK GHANA, Nigeria Digital Money Snapshot, Mobile Banking, Nigeria Country Viewport


Jul 19, 2016 - DailyUse taps Infostretch for contactless mobile payment platform - Finextra

DailyUse taps Infostretch for contactless mobile payment platform The DU Mobile Wallet all-in-one platform is available to banks, mobile operators and retailers worldwide as a white-label solution that they can brand for secure, near field communication (NFC) contactless payments supporting all preferred payment methods. and more »

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Context: du, NFC, DC, MMT, MP, NFC, du UNITED ARAB EMIRATES, Mobile Payment, Mobile Wallet, NFC Topic, Payments, du


Jul 19, 2016 - Apple Pay launches in France - ZDNet

Apple Pay launches in France However, Apple was beaten to the mark by Samsung, which spearheaded its European arrival of Samsung Pay there last month. Apple is yet to arrive in other key European markets such as Germany, Italy, and the Nordics. Since launching Apple Pay in the ... Apple Pay says bonjour to France and nei ho to Hong Kong CNET Apple Pay's European Expansion Gathers Steam Fortune Et Voila: Apple Pay Arrives In France Mobile ID World all 34 news articles »

Link to source

Context: FRANCE, GERMANY, HONG KONG, ITALY, Apple, Apple USA, Samsung, Apple iCloud Keychain, Apple Passbook Wallet, Apple Pay, Samsung Pay, Samsung Wallet, Samsung, Apple, Samsung Pay


Jul 19, 2016 - Kingdom of Dreams goes cashless with MobiKwik wallet - Financial Express

Kingdom of Dreams goes cashless with MobiKwik wallet Users can now book tickets for shows and pay at all restaurants at KoD via the cashless convenience of MobiKwik Digital Wallet with just a few taps on their smartphones. KoD is India's answer to the Opera House in Sydney and the Royal National Theatre ... and more »

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Context: India, DW, MobiKwik, Digital Wallet, India Country Viewport, MobiKwik, ST MM India


More news ...

  • Digital Money
    Digital Money

    The Digital Money domain has been described by Shift Thought™ as a way to understand the ecosystem, products, services and infrastructure involved in the digitisation and transfer of value.

    • Digital Banking
      Digital Banking

      Digital Banking (DB) is the head we use to describe a range of alternative channels offered by banks to supplement branch services.

      • Branchless Banking
        Branchless Banking

        Branchless Banking (BB) services is the category we use to describe services where banks/Fis leverage non-banks and technology to provide account opening, cash services and alternate financial services.

      • Mobile banking
        Mobile banking

        Mobile Banking refers to the category of services that offer consumers or businesses the ability to utilise a mobile device to conduct a range of banking services.

        • Alerts and Notifications
          Alerts and Notifications

          Alerts and Notifications (Alerts) is the category under which we analyse services involving the provision of notifications regarding account activity.

        • Remote deposit capture
          Remote deposit capture

          Remote Deposit refers to the ability to deposit a check into a bank account from a remote location, such as an office or home, without having to physically deliver the check to the bank. This is typically accomplished by scanning a digital image of a

      • Online banking
        Online banking

        The Online Banking category includes those services that offer the ability to use the web to conduct a range of banking transactions.

    • Digital Networks
      Digital Networks

      The Digital Networks domain has been described by Shift Thought™ as a way to understand the networks through which cash is digitised or materialised within the context of digitisation of value.

      • ATM/ACM services
        ATM/ACM services

        ATM/ACM services (ATM) is the category we use to refer to functionality offered by initiatives that allows consumers to withdraw or deposit cash at self-service centres.

      • Cash-In and Cash-Out services
        Cash-In and Cash-Out services

        The Cash-In and Cash-Out services (CICO) category is used by us to describe methods such as agent networks, ATM and Kiosks that facilitate cash transfer into or out of digital wallets, and provide customer interface services.

      • Point of Sale service
        Point of Sale service

        Point of Sale ServiceThe Point of Sale(POS) service includes payment services that allow for payment for goods and services in-person, at locations including stores, post offices and self-service points.

    • Digital Payment
      Digital Payment

      The Digital Payments domain has been described by Shift Thought™ as a way to understand the different ways in which monetary value may be transferred between persons, businesses, government and other entities.

      • Business to Business Payments
        Business to Business Payments

        Business to Business Payments (B2B) is the category we use to describe payments and money transfer services offered to businesses.

      • Business to Person Payments
        Business to Person Payments

        Business to Person Payments (B2P) is the category we use to describe functionality money transfers for the purposes of payroll, wages and other company payments to individuals.

      • Bill Payment
        Bill Payment

        The Bill Payment (BP) service is the category that covers functionality for consumers to pay a bill directly to a biller, that may be a communications, utility or other provider.

        • Dish TV Recharge
          Dish TV Recharge

          The Dish TV Recharge (DTV) category discusses services involving payment for or recharge of Dish TV.

      • SME Services
        SME Services

        This category refers to Business Solutions for the Small & Medium Enterprise (SME) segment.

        • SME Domestic Services
          SME Domestic Services

          This category refers to Domestic Business Solutions for the Small & Medium Enterprise (SME) segment.

        • SME Foreign Exchange Services
          SME Foreign Exchange Services

          Online Foreign Exchange solutions for MSME (Micro, Small and Medium Enterprises) Businesses.

        • SME International Services
          SME International Services

          This category refers to International Business Solutions for the Small & Medium Enterprise (SME) segment.

        • Mobile POS
          Mobile POS

          Mobile Point of Sale (mPOS) refers to the use of the mobile device for accepting payments.

        • Merchant payment acceptance
          Merchant payment acceptance

          This category refers to services that offer consumers and merchants the ability to accept payments.

      • Digital Content
        Digital Content

        Digital Content (DC) is the category under which we classify consumer payements related to purchase of digital content and services. This includes purchase of games, music downloads and other typically small value payments from consumers to companies.

      • Earnings
        Earnings

        The earnings, pension and wages (EARN) category discusses services involving reciept of money related to personal compensation.

      • Government to Consumer
        Government to Consumer

        The Government to Consumer (G2P) category includes transfers such as benefits or tax refunds from Government to individuals.

      • High Value Payment
        High Value Payment

        High Value Payments (HVP) typically have different requirements, as opposed to micro-payments. New payment services and innovations address different ranges of value transfer.

      • Instant Payment
        Instant Payment

        The Instant Payment (IP) category is used by us to analyse payment transactions with the fastest payout. These are real-time transfers that generally make the money available within minutes.

      • Local Payment Service
        Local Payment Service

        This category discusses local payment services. Includes low value payment for example using contactless cards.

      • Low Value Payment
        Low Value Payment

        Regular payments for low-value services are now being managed through technologies such as contactless payments, mobile NFC payments and other methods.

      • Mobile Payment
        Mobile Payment

        Mobile payment refers to the use of a mobile device as a channel to initiate payments. This includes both local and remote payments, as well as the use of the mobile device to accept payment (mPOS).

        • Near Field Communication
          Near Field Communication

          This category describes payment services involving Near Field Communications (NFC)

        • Remote Mobile Payment
          Remote Mobile Payment

          Remote mobile payments refers to services that allow consumers to make payments remotely using a mobile device.

      • Online Payment
        Online Payment

        This category describes payment services that allow for purchases or personal payments over the internet.

        • Online dating, social and entertainment services
          Online dating, social and entertainment services

          The Online Dating category includes those services that allow for online payment for dating, social and entertainment services.

        • Online gambling
          Online gambling

          The Online Gambling category includes those services that allow for online value transfer related to lottery, betting and gambling.

      • Payment Systems
        Payment Systems

        This category refers to payment systems and platforms.

      • Trade or Merchant Payments
        Trade or Merchant Payments

        Trade or Merchant Payments relate to businesses as opposed to consumer transactions.

    • Digital Services
      Digital Services

      The Digital Services domain has been described by Shift Thought™ as a way to understand the different kinds of products and services that consumers and businesses are offered within the context of Digital Money.

      • Anonymity in Payments
        Anonymity in Payments

        Anonymity (Anon) is used by us to track the functionality supported by new services that allow payment without revealing details of buyer or seller.

      • Airtime Transfer
        Airtime Transfer

        Airtime Transfer (AT) is the category under which we analyse services relating to airtime topup and transfer.

        • Domestic Airtime Transfer
          Domestic Airtime Transfer

          Domestic Airtime Transfer (DAT) includes topup of prepaid phones, whether for own use or that of friends and family.

        • International Airtime Transfer
          International Airtime Transfer

          International Airtime Transfer (IAT) is the category we use to analyse services relating to international topup or transfer of prepaid mobile airtime.

      • Insurance services
        Insurance services

        Insurance services is a category under which we analyse insurance services of all kinds, offered within the context of digital money initiatives.

      • Microfinance
        Microfinance

        MFI refers to those microfinance services offered by a provider and may include loans to consumers or small businesses.

      • Mobile Health

        Mobile health refers to those services offered within the context of digital money initiatives.

      • Money Transfer
        Money Transfer

        This category refers to Money Transfer Services. This includes domestic, regional and international money transfer across all channels.

        • Aid and charitable donations
          Aid and charitable donations

          Aid and charitable donations (Aid) category covers money transfers to individuals for the purpose of providing aid.

        • Bank-Account based money transfer services
          Bank-Account based money transfer services

          Bank-Account based money transfer services (BAB) are offered by money transfer operator in partnership with banks.

        • Direct To Bank
          Direct To Bank

          A sender provides a receivers bank account and routing number to a money transfer agent. Funds are generally available in receiver's bank account within 3-5 bank business days.

        • Domestic Money Transfer
          Domestic Money Transfer

          The Domestic Money Transfer (DMT) category relates to person-to-person (P2P) money transfer within a country.

        • Cash-on-delivery/ Home Delivery
          Cash-on-delivery/ Home Delivery

          Cash-on-delivery/ Home Delivery (HOMEDL) category is used by use in order to analyse services where money transfer occurs at a consumer home.

        • International Money Transfer
          International Money Transfer

          This category refers to the provision of international money transfer services.

        • Mobile Money Transfer
          Mobile Money Transfer

          The Mobile Money Transfer (MMT) category has been described by Shift Thought™ to include personal money transfer transactions initiated using a mobile device.

          • Cash to Mobile Wallet
            Cash to Mobile Wallet

            The Cash to Mobile Wallet (C2M) category refers to the various services provided for loading Cash onto Digital Money wallets.

          • Mobile Receive
            Mobile Receive

            This category refers to the provision of mobile money transfer services.

          • Mobile Send
            Mobile Send

            This category refers to the provision of money transfer services where the transaction for sending money can be initiated using the mobile device.

        • Next Day Service
          Next Day Service

          Next Day is a service offered by money transfer operators where money sent before 12:00 am in the local time zone is available by 7:00 am the next day, in the receiver time zone.

        • Person to Business
          Person to Business

          The Person to Business (P2B) category includes transfers from individuals to businesses.

        • Person to Government
          Person  to Government

          The Person to Government (P2G) category includes transfers from consumers to Government, such as tax payment.

        • Quick Cash
          Quick Cash

          Cash Payout to Consumers. Allows companies to make payments to their consumers or employees. The transaction is initiated by the sending company and receipt of the transaction is performed in the same way as a regular "will call" money transfer recei

      • Offers
        Offers

        This category discusses services involving provision of discounts and loyalty.

      • Other Products

        This category describes other services related to Digital Money.

      • P2P Lending/ Crowdfunding
        P2P Lending/ Crowdfunding

        P2P Lending refers to lending activities that leverage a community of investors and lenders. We include Crowdfunding under this head.

      • Saving
        Saving

        Saving services refers to the ability for new digital money innovative services to offer consumers a way to securely save their money.

      • Social commerce
        Social commerce

        Social Payments refers to the ability to offer consumers a way to make payments in the context of their social networking experience.

      • Transport
        Transport

        This category refers to the use of services to pay for transport, transit, parking, ticketing and other charges associated with travel.

    • Digital Technology
      Digital Technology

      The Digital Technology domain has been described by Shift Thought™ as a way to understand the technologies that form the basis of the products and services within the Digital Money domain.

      • Card services
        Card services

        Card services (Card) refer to payment card services that support digital money initiatives.

      • Cardless ATM services
        Cardless ATM services

        The Cardless ATM services (CardlessATM) describes innovations in ATM Cash Withdrawal such as cardless instant cash.

      • Credit Scoring services
        Credit Scoring services

        Credit Scoring services (CreditScore) is the category we use to analyse functionality relating to non-traditional credit scores that are built around the new digital money services.

      • Hub
        Hub

        The hub service (Hub) category is defined by Shift Thought™ to cover infrastructure and interfaces used to facilitate cash transfer into or out of digital wallets, exchange conversion, regulatory checks and the movement of money.

      • Payment Service Provision
        Payment Service Provision

        This category describes the provision of intermediary functions relating to payment services.

      • Trusted Service Manager
        Trusted Service Manager

        A trusted service manager (TSM) plays a role within an NFC ecosystem by acting as a neutral broker.

      • White Label
        White Label

        This category refers to B2B services that support integration and build of products and services by other brands.

    • Digital Wallets
      Digital Wallets

      The Digital Wallet domain has been described by Shift Thought™ as a means of understanding the whole range of stored value products including the provision of e-money, mobile wallets and e-wallets.

      • E-Wallet
        E-Wallet

        The E-Wallet domain has been described by Shift Thought™ as a means of understanding the storage of monetary value across a range of technologies that include server and card-based services.

      • Mobile money
        Mobile money

        The Mobile Money service category described by Shift Thought™ refers to financial services that provide a stored value account where the customer relationship is not with a bank.

      • Mobile wallet
        Mobile wallet

        Mobile Wallet service category refers to the use of an account and stored value or e-money associated with a mobile subscriber.

      • Prepaid Card
        Prepaid Card

        The Prepaid Card category discusses services that involve prepaid cards. Depending on the regulatory environment, these may be issued by non-banks, or may be co-branded.

      • Virtual Currency
        Virtual Currency

        Virtual currency differs from electronic money as the currency has no physical counterpart with legal tender status. The schemes, of which Bitcoin is the most well known are generally based on a peer-to-peer network.

  • Knowledge Catalog
    Knowledge Catalog

    The Knowledge Base catalogue

  • All Topics
    All Topics

    Knowledge relating to Digital Money has been classified under the broad categories described here. This is the main heading under which all others topics are described. Each topic has a parent topic that ultimately connects here.

    • How consumers access financial services
      How consumers access financial services

      The Access Topic includes knowledge related to the kind of access that consumers and businesses have to channels through which they can access financial services.

      • Micro Finance Institute
        Micro Finance Institute

        Micro Finance involves the provision of financial services to micro-entrepreneurs and small businesses.

    • Banking
      Banking

      This topic relates to banking or financial services under which we pay special attention to innovative services that have recently emerged. These typically leverage new technology and channels available to consumers.

      • Remote Deposit Capture
        Remote Deposit Capture

        Remote Deposit refers to the ability to deposit a check into a bank account from a remote location, such as an office or home, without having to physically deliver the check to the bank. This is typically accomplished by scanning a digital image of a

    • Complexity
      Complexity

      The complexity topic discusses the implications of scale, interconnectedness, dependancies and dynamism on parts of the ecosystem.

    • Regulatory compliance
      Regulatory compliance

      Regulatory compliance describes the goal that corporations or public agencies aspire to achieve in their efforts to ensure that personnel are aware of and take steps to comply with relevant laws and regulations.

      • Anti-Money Laundering
        Anti-Money Laundering

        Anti-money laundering (AML) is a term mainly used in the financial and legal industries to describe the legal controls that require financial institutions and other regulated entities to prevent or report money laundering activities. Anti-money laund

        • Information Requests
          Information Requests

          The Information Requests topic discusses the 314(a) requests received from FinCEN.

        • Registration Requirements
          Registration Requirements

          The registration requirements topic discusses issues relating to processes for consumers to subscribe to digital money services.

      • Customer Due Diligence (CDD)
        Customer Due Diligence (CDD)

        Customer due diligence measures ensure that businesses know who their clients are, and do not accept clients outside of their normal risk tolerance, or whose business they do not fully understand.

      • Combating Financing of Terrorism (CFT)
        Combating Financing of Terrorism (CFT)

        The Combating Financing of Terrorism (CFT) topic covers legislation and topics related to countering the financing of terrorism.

      • Corruption
        Corruption

        The Foreign Corrupt Practices Act (FCPA) was enacted to prevent the bribery of foreign government officials for commercial advantage.

      • Know Your Customer(KYC)
        Know Your Customer(KYC)

        Know Your Customer, or KYC, refers to the regulatory compliance mandate imposed on financial service providers to implement a Customer Identification Programme and perform due diligence checks before doing business with a person or entity.

      • Politically Exposed Person (PEP)
        Politically Exposed Person (PEP)

        Politically Exposed Person (PEP) is the term used to describe someone who has been entrusted with a prominent public function, or an individual who is closely related to such a person.

    • Foreign Exchange
      Foreign Exchange

      This describes Currency and Foreign Exchange related topics

      • Cryptocurrency
        Cryptocurrency

        Cryptocurrency is the term used to refer to virtual currencies such as Bitcoin.

      • Inbound Or Payout
        Inbound Or Payout

        The Inbound topic discusses specific issues, rules and restrictions relating to inbound or Payout transactions.

      • Intra Remittances
        Intra Remittances

        The Intra Remittances topic discusses issues, rules and restrictions relating to domestic money transfer transactions.

      • Outbound Remittance
        Outbound Remittance

        The Outbound Remittances topic discusses specific rules and restrictions relating to outbound remittances or Send transactions.

      • Specific Corridor
        Specific Corridor

        This topic discusses the specific corridor related rules regarding currencies.

    • Economy and Economic Outlook
      Economy and Economic Outlook

      As market development and business development activities involve a good understanding of the market conditions in each country, this topic on Economy pulls together knowledge related to Economic Outlook.

    • Estimates
      Estimates

      The estimates topic pulls together knowledge required for market development and business development activities involving business planning and forecasts.

    • FinTech
      FinTech

      FinTech is a recent term applied to disruptive financial innovation, and is similar to the term "digital money" used by Shift Thought for some years now.

    • Legal
      Legal

      This topic discusses legal issues relating to digital money.

      • Competition
        Competition

        This topic covers issues relating to Competition rules and regulations that may apply to digital money services.

        • Over-the-top Players
          Over-the-top Players

          The term OTT relates to Over-the-top players that offer services that run on the rails of traditional players.

      • Corporate Structure
        Corporate Structure

        The Corporate Structure topic covers specific legal rules and restrictions relating the way in which businesses structure themselves in order to offer digital money services.

      • Exclusive Agency
        Exclusive Agency

        This describes the rules regarding exclusivity. Exclusivity is a contract term in which one party grants another party sole rights with regard to a particular business function.

      • Licensing
        Licensing

        The Licensing topic discusses issues, rules and restrictions relating to licensing requirements for digital money services.

      • Patents covering alternate payments
        Patents covering alternate payments

        This relates to patents filed in the USA, Europe or Internationally, in the domain of digital money services that include alternative payments, mobile payments, digital wallets and more.

      • Registration
        Registration

        The registration topic discusses issues relating to processes for consumers to subscribe to digital money services.

    • Links to further information
      Links to further information

      Links to further information provided by the player or others online

    • Marketing
      Marketing

      This describes marketing related topics involved in the launch and ongoing support of digital money services.

      • Consumer Protection
        Consumer Protection

        Consumer rights are the rights given to a "consumer" to protect him/her from being cheated by salesman/manufacturer. Consumer protection laws are designed to ensure fair trade competition and the free flow of truthful information in the marketplace.

      • Consumer Market
        Consumer Market

        This describes the issues that relate to direct consumer markets, as opposed to business markets.

      • Data Privacy
        Data Privacy

        This topic covers Data Protection and Data Privacy as regards consumer data that businesses process as a part of marketing or delivering consumer services.

      • Loyalty
        Loyalty

        This describes Loyalty related topics

      • Migration
        Migration

        Migration relates to the movement of people between countries for the purpose of living in a country other than that of their birth.

      • Pricing
        Pricing

        This topic discusses rules relating to pricing within the marketing of products and services.

      • Privacy
        Privacy

        This relates to personal privacy rules that are must be adhered to in the provision of services to consumers.

      • Remittance
        Remittance

        This relates to movement of money because of the need to send money back home. A remittance is a transfer of money typically by a foreign worker back to their home country.

      • MSME Market
        MSME Market

        This topic discusses the MSME (Micro, Small and Medium Enterprises) market which is one of the fastest growing segments for digital money services.

      • Transparency
        Transparency

        The Transparency topic discusses issues and rules relating to pricing transparency within the marketing of products and services.

    • Products and Services
      Products and Services

      This topic discusses the products and services that are involved in the provision of digital money services.

      • Bank Account Based Money Transfer
        Bank Account Based Money Transfer

        This topic discusses bank-account based money transfer. This includes a variety of services that leverages a bank account on the send or receive side of a money transfer transaction.

      • Investment
        Investment

        This topic issues that are of importance to investors and venture capitalists interested in investing in Digital Money Initiatives.

      • Mobile Health
        Mobile Health

        Mobile Health uses ownership of the mobile to extend healthcare services.

      • Mobile Money Transfer
        Mobile Money Transfer

        This topic covers a wide range of innovative services where a mobile device is used as a channel to provide services to market segments that include previously banked users, but also those thay may be unbanked or underbanked.

      • Use of Agents/ Agent Network
        Use of Agents/ Agent Network

        An agent network is one of the most important requirements for the success of digital money, as it is the means for digitising cash.

      • Prepaid Card/ Stored-value card
        Prepaid Card/ Stored-value card

        This topic discusses issues, rules and regulations related to storage of value on cards for the purpose of conveniently paying for transport, digital content, money transfer and other services.

    • Operations
      Operations

      Operations is the term utilised to describe products and services, channels, class of trade and other concepts related to the operational requirements of digital money services.

      • Cash-in/cash-out
        Cash-in/cash-out

        The CICO (Cash-in/ Cash-out) topic describes issues regarding the ways in which consumers are allowed to deposit and withdraw cash.

      • Fraud
        Fraud

        Fraud can be committed through many media, including mail, wire, phone, and the Internet (computer crime and Internet fraud). The international dimensions of the web and ease with which users can hide their location, the difficulty of checking identi

      • Identity
        Identity

        This relates to identity and user identification that is the foundational building block for the development of digital money services.

      • Payout Requirements
        Payout Requirements

        In the context of digital money, payout restrictions and requirements must be understood from the perspective of compliance.

      • Recordkeeping
        Recordkeeping

        Recordkeeping requirements relate to issues, rules and regulations relating to the maintenance of records relating to digital money transactions.

      • Security
        Security

        This relates to the Security considerations for Digital Money

        • Mobile Security
          Mobile Security

          This relates to the Security considerations for mobile phone devices especially with respect to Digital Money, including e-commerce and e-security.

          • Authentication
            Authentication

            Authentication relates to the process of identifying an individual, usually based on user name and password. Authentication merely ensures an individual is who they claim to be and says nothing about the access rights, as that is managed by Authorisation.

          • Biometrics
            Biometrics

            This relates to the Biometrics as an authentication method for Digital Money.

      • Tax
        Tax

        This topic discusses the tax related requirements for the various lines of business.

    • Payments
      Payments

      The Payments Topic includes knowledge related to a variety of services such as mobile payments, online payments, bill payments and more.

      • Bill Payment
        Bill Payment

        Bill Payment services are now offered as part of the alternative financial services that are emerging in different parts of the world.

      • Branchless Banking
        Branchless Banking

        These are initiative to utilise new technology and non-banks in order to extend the reach and provide banking services to the unbanked and underbanked.

      • Transactions Involving Businesses
        Transactions Involving Businesses

        Often financial services offered distinguish between the intended use, as relates to consumers and businesses. This topic covers specific rules and restrictions relating to business transactions.

      • Electronic money (E-money)
        Electronic money (E-money)

        The Electronic money (e-money) topic discusses issues related to electronic value stored in an account and exchangeable against real money.

      • Government Payment
        Government Payment

        The Government Payment topic discusses innovations in the way the government pays out money including benefits, agricultural support and other assistance to the public.

      • Mobile Banking
        Mobile Banking

        Mobile Banking refers to the ability to use a mobile device to conduct a range of banking services.

      • Mobile Money
        Mobile Money

        Mobile money uses ownership of the mobile to extend financial access

      • Mobile Payment
        Mobile Payment

        Mobile payment refers to the use of a mobile device as a channel to initiate payments. This includes both local and remote payments, as well as the use of the mobile device to accept payment (mPOS).

      • Money Transfer
        Money Transfer

        Money transfer refers to the movement of money from one person or institution to another.

      • Near field communication (NFC)
        Near field communication (NFC)

        Near field communication (NFC) allows for simplified transactions, data exchange, and wireless connections between two devices in close proximity to each other, usually by no more than a few centimeters.

      • New Payment Methods
        New Payment Methods

        New/Alternative Payments refers to payment methods that are used as an alternative to cash or card. Most alternative payment methods address a domestic economy or have been specifically developed for electronic commerce and the payment systems are ge

      • Online Payment
        Online Payment

        The Online Payment topic discusses issues relating to the provision of payment services over the internet.

      • Rules Regarding Payment Delivery Time
        Rules Regarding Payment Delivery Time

        This topic discusses requirements related to moving the money out of the system within a certain period of time, in the context of delivery of money transfer services.

      • Payment Systems
        Payment Systems

        Payment systems refers to operational networks, governed by laws, rules and standards, that link bank accounts and provides the functionality for monetary exchange.

      • Quick Response Code (QR Code)
        Quick Response Code (QR Code)

        A Quick Response Code, commonly known as a QR Code is a type of matrix barcode or two-dimensional barcode.

    • Players/ Organisations
      Players/ Organisations

      The term "Player" has been used to refer to organisations of all kinds that are involved in the digital money ecosystem.

      • Bank
        Bank

        This topic relates to Banks or financial services institutions involved in the ecosystem.

      • Mobile network operator (MNO)
        Mobile network operator (MNO)

        A mobile network operator (MNO) is a provider of wireless communications services that owns or controls the elements necessary to sell and deliver services to an end user.

      • Post
        Post

        This describes issues that relate to the role played by postal institutions in the provision of digital money services.

      • Retail
        Retail

        The Retail topic discusses issues and rules relating to the Retail Players involved in the digital money ecosystem.

      • Scheme
        Scheme

        This discusses topics relating to Schemes or Card Providers involved in the ecosystem.

      • Vendor/ Service provider
        Vendor/ Service provider

        This topic discusses issues that relate to vendors and service providers involved in the ecosystem.

    • Regulatory Environment
      Regulatory Environment

      The enabling and regulatory environment consists of the bank and non-bank regulations and policies that influence the provision of remittance services and the opportunity to cross-sell other services.

      • Authorised Entities
        Authorised Entities

        Authorised Entities refers to the types of entities that are allowed by regulators to provide specific services, after obtaining the required licenses and approval.

      • Non-banks
        Non-banks

        The term "non-banks" is used to describe players involved in the provision of digital money who are not banks or financial institutions.

      • Recent Or Expected Changes To Regulations
        Recent Or Expected Changes To Regulations

        Discusses expected or likely changes to regulations. This is very important for a number of areas of our business including Product and Strategy as well as Operations.

      • Restrictions & Limits
        Restrictions & Limits

        This relates to legal restrictions and limitations on specific business.

    • Segment
      Segment

      This topic discusses the various market segments for digital money services.

    • Technology
      Technology

      Technology has a key role to play in enabling innovations in digital money services.

      • Host Card Emulation (HCE)
        Host Card Emulation (HCE)

        This relates to the ability to control the NFC chip through an application running within the Host Operating System.

      • Mobile
        Mobile

        This relates to special considerations for use of Mobile as a channel of access for digital money services.

        • Handsets
          Handsets

          It is critically important that services launched are accessible to the target market for whom they are meant.

      • Tokenization
        Tokenization

        This relates to the use of a surrogate instead of a card number.

      • Web
        Web

        This relates to special considerations for use of the internet or web as a channel for extending digital money services.

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