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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(DRC)",5,"Country_DRC"],["Cambodia",5,"Country_CAMBODIA"],["Ecuador",5,"Country_ECUADOR"],["Guatemala",5,"Country_GUATEMALA"],["Republic of the Congo",5,"Country_CONGO"],["Iran",5,"Country_IRAN"],["Madagascar",5,"Country_MADAGASCAR"],["Senegal",5,"Country_SENEGAL"],["North America",5,"Region_NORTH AMERICA"],["Asia Pacific",5,"Region_APAC"],["Georgia",5,"Country_GEORGIA"],["Malawi",4,"Country_MALAWI"],["Afghanistan",4,"Country_AFGHANISTAN"],["Iraq",4,"Country_IRAQ"],["Israel",4,"Country_ISRAEL"],["Haiti",4,"Country_HAITI"],["Jamaica",4,"Country_JAMAICA"],["El Salvador",4,"Country_EL SALVADOR"],["Americas",4,"Region_AMERICAS"],["Slovenia",4,"Country_SLOVENIA"],["Kazakhstan",4,"Country_KAZAKHSTAN"],["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"],["Uzbekistan",3,"Country_UZBEKISTAN"],["Northern Europe",3,"Region_NORTHERN EUROPE"],["Myanmar (Republic of the Union of Myanmar, formerly 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January 2, 2018 - Apple Pay Cash and the matter of trust

  Over more than a decade now we have seen the launch of mobile wallets and prepaid cards, the high hopes for them and an often lukewarm response from the customer, followed by a phased withdrawal. I have myself been … Continue reading


July 3, 2017 - How people pay in the USA – Fed Reserve Payments study 2016

  The Federal Reserve has just reported their estimates of the total number and value of all noncash payments made in 2015 in the United States, both by consumers and businesses. The study provides insights on adoption trends for new … Continue reading


March 16, 2017 - The Florin Awards Europe 2017

    I am just back from chairing the Florin Award Jury at The European Payment Summit 2017.   We were pleased to see some highly innovative products and services from the finalists. ThreatMetrix was the winner of the Florin … Continue reading


January 26, 2017 - A celebration of Republic Day in the land of miracles

  Simply put, this is an important day for me.  I would not have been around but for India’s Independence followed 3 years on by our Republic Day, now in it’s 68th glorious year. My Dad wanted to bring free … Continue reading


November 21, 2016 - Openness versus Certainty of Regulations – What is more enabling?

Both openness and certainty are important to establishing what is termed as an “enabling” financial services(FS) regulatory environment. Firstly, what is an enabling regulatory environment? Just as plants would struggle to grow and survive without the right soil, climate and … Continue reading


August 31, 2016 - A story of Malaysia and Singapore reflected by their coinage

  Today is an important day for Malaysians, marking the creation of the Federation of Malaya back in 1957. Six years later, on this same day, North Borneo and Singapore would gain their freedom, leading to an Independent Malaysia on … Continue reading


July 26, 2016 - Could new regulatory guidelines in Bangladesh turn MFS into “nobody’s baby”?

With the recent release of new draft guidelines for mobile financial services (MFS) in Bangladesh, I caught up with payments expert Raihan to get his views on the state of play of the market, possible outcomes from the guidelines and … Continue reading


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


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


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Sep 19, 2018 - IoT Security Market worth over $31.42 Billion With 31.01% of CAGR By 2022: Global Market Insights, Inc - Digital Journal

IoT Security Market worth over $31.42 Billion With 31.01% of CAGR By 2022: Global Market Insights, Inc The report “ IoT Security Market By Type (Endpoint security, Network Security, Cloud Security, Application Security & Other Types) – Global Forecast to 2022”, issued by Crystal Market Research, the market has come across substantial development in the ... and more »

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Context: IoT Security, Security


Sep 19, 2018 - Portugal: Instant Payment System Begins Operations - PaymentsCompliance

Portugal: Instant Payment System Begins Operations On September 19, 2018, Banco de Portugal, the central bank of Portugal, announced that SICOI, the payment system under its supervision and regulation, now allows for instant payments in euro among all member states of the Single Euro Payments Area ...

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Context: PORTUGAL, EUR, Central Bank of PORTUGAL, SEPA, PaySys, Operations, Payments, Regulatory Changes


Sep 19, 2018 - Regulators: What's Holding You Back? - PaymentsJournal

Regulators: What's Holding You Back? The current state of security standards speaks volumes on how regulators need to take a stance. The security of personal information and lack of protective behavior will always be a top concern. In order to change this, biometric regulation and support ...

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Context: Regulatory Changes, Security


Sep 19, 2018 - Why Investors Sentiments Remain Unresponsive? PayPal Holdings, Inc. (PYPL) - NMSU Nеws

GV Times Why Investors Sentiments Remain Unresponsive? PayPal Holdings, Inc. (PYPL) Raymond James rated the PayPal Holdings, Inc. (NASDAQ:PYPL)'s stock as an Outperform in a research note published on Friday, September 14th, 2018. Other Wall Street experts have also recently posted reports on these shares. KeyBanc Capital Mkts ... Stocks Going Mainstream Anytime Soon: JPMorgan Chase & Co. (JPM), PayPal Holdings, Inc. (PYPL) GV Times HWG Holdings LP Has $581000 Position in Paypal Holdings Inc (PYPL) Fairfield Current Edgestream Partners LP Has $2.29 Million Holdings in Paypal Holdings Inc (NASDAQ:PYPL) Baseball Daily News Marea Informative (blog)  - FactsReporter all 71 news articles »

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Context: PayPal, PayPal, Paypal Payment Code, Paypal Access, Paypal B2B Payment, Paypal One Touch, PayPal DT CB, Paypal Mobile SDK, Paypal Russia, Paypal Saudi Arabia, Paypal Wallet, Investment, Zong, Paypal, PayPal DT CB


Sep 19, 2018 - Barclays launches caller ID service to fight scams mid-call - MoneySavingExpert

Barclays launches caller ID service to fight scams mid-call If you're unsure if the call is from Barclays it will check if you have the Barclays app or are registered for online banking . If you are, Barclays will offer the verification service. If you decide to use it Barclays will send a notification. You then ...

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Context: Barclays Group US Inc, OB, EnterCard Denmark, EnterCard Norway, EnterCard Sweden, Barclays Group Europe


Sep 19, 2018 - New Study Finds that Cross-Border Payments Practices Complicate Supply Chains - Supply Chain Management Review

New Study Finds that Cross-Border Payments Practices Complicate Supply Chains Companies with high cross-border payment volume also have longer approval cycles, which limits early payments opportunities. “The fraud risks and complex international compliance mandates that come with the Foreign Account Tax Compliance Act ...

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Context: Compliance, Fraud, Payments, Restrictions and limits, Tax


Sep 19, 2018 - Work kicks-off to examine digital competition in UK - GOV.UK

Work kicks-off to examine digital competition in UK ... Policy, University of East Anglia. She is a Non-Executive Director at the Competition and Markets Authority, the Financial Conduct Authority and the Payment Systems Regulator. She was previously Chief Economist at the Office of Fair Trading (2001 ...

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Context: UK, CMA, CMA, Financial Conduct Authority UK, PSR, FCA UK, Competition, PaySys


Sep 19, 2018 - Visa, MasterCard Asked To Help Monitor Fee Cap Compliance - Law360

Visa, MasterCard Asked To Help Monitor Fee Cap Compliance The Payment Systems Regulator has asked Visa Europe Ltd. and MasterCard Europe SA to help it identify whether card issuers such as banks are complying with rules that prohibit them from side-stepping caps on interchange fees by charging other costs to ...

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Context: Authorize.Net, DataCash Group PLC, MasterCard, Simplify Commerce, Travelex-MasterCard, Visa Europe, PSR, Travelex-Mastercard Korea, Authorize.Net, Simplify Commerce, Visa International, Visa Europe, Banknet, MasterPass Brazil, MasterPass Sweden, MasterPass Europe, Visa Akbank microSD, Simplify Commerce, Visa Europe Alerts, Visa Europe Personal Payments, Visa Europe Mobile offers, Visa Europe NFC payWave, Visa Europe Smart Poster, Visa MM Kenya, Visa MM, Compliance, PaySys, Banknet, MasterPass, NFC Chunghwa Chinatrust, NFC Maxis PayWave, Simplify Commerce, Visa Europe MFS, Visa MM


Sep 19, 2018 - Digital banking and neobanks - Mozo.com.au

Digital banking and neobanks If all you've ever known is dollarmites and the big four, the idea of an online bank may seem a bit intimidating to you. But as banks roll out new app features and handy online services, the reliability of online banking grows, and makes room for ...

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Context: DB, OB


Sep 19, 2018 - Fintech 101: Core concepts for the future of banking - Mozo.com.au

Fintech 101: Core concepts for the future of banking A digital wallet stores all your personal payment information and passwords for numerous payment methods and websites. However, digital wallets can also be used alongside mobile payment systems, meaning consumers can make purchases with their ...

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Context: FinTech, DC, DW, MP, Digital Wallet, FinTech, Mobile Payment, PaySys


Sep 19, 2018 - AGMA Identifies Digital Authentication as Key Tool in High-Tech Industry's Fight against Counterfeiting - GlobeNewswire (press release)

AGMA Identifies Digital Authentication as Key Tool in High-Tech Industry's Fight against Counterfeiting AGMA, a non-profit organization and the largest group solely focused on intellectual property protection in the high-tech industry, has identified digital authentication as critical to halting the practice of counterfeiting. According to AGMA President ... and more »

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Context: Authentication


Sep 19, 2018 - Hackers have planted credit card stealing malware on local government payment sites - TechCrunch

Hackers have planted credit card stealing malware on local government payment sites ... likely using a vulnerability in the portal's web server that allowed the attacker to upload malware to siphon off payment card data over a period of “weeks to numerous months,” Nick Richard, principal threat intelligence analyst at FireEye, told ...

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Context: Cyber Security - Threat Intelligence, G2P


Sep 19, 2018 - RippleNet is Now Live in over 40 Countries across Six Continents - Business Wire (press release)

RippleNet is Now Live in over 40 Countries across Six Continents ... rates. http://www.rationalfx.com/; Xendpay - the world's first Pay What You Want money transfer service, to democratise the global remittance industry and to help small businesses manage their international payment needs. http://www.xendpay.com/. and more »

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Context: RationalFX, MT, WORLD, RationalFX, Xendpay, RationalFX, Transfer, Xendpay, DMT, IMT, Money Transfer, Remittance, RationalFX, Xendpay


Sep 19, 2018 - US Banking Giant PNC Becomes Latest to Adopt Ripple's xCurrent - CoinDesk

US Banking Giant PNC Becomes Latest to Adopt Ripple's xCurrent American banking giant PNC has joined the growing number of financial institutions using payments products from blockchain startup Ripple. The bank's Treasury Management division will begin accepting cross-border transactions using the firm's xCurrent ... and more »

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Context: Blockchain, Ripple, Blockchain, Ripple, Blockchain, Ripple, Payments, Products, Blockchain, Ripple


Sep 19, 2018 - How to reduce your PayPal fees - Tamebay

How to reduce your PayPal fees Every business wants to cut costs where possible. And as an online retailer or ecommerce merchant, on eBay or your own website, one particular expense you might face are PayPal fees. There are two PayPal schemes that you should be aware of if you want ...

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Context: PayPal, eBay, PayPal, eBay, Paypal Payment Code, Paypal Access, Paypal B2B Payment, Paypal One Touch, PayPal DT CB, Paypal Mobile SDK, Paypal Russia, Paypal Saudi Arabia, Paypal Wallet, Scheme, Zong, Paypal, PayPal DT CB


Sep 19, 2018 - Fake bank apps found on Google Play store - BetaNews

Fake bank apps found on Google Play store To ensure you don't fall victim to attacks like this ESET recommends you only trust mobile banking and other finance apps if they are linked from the official website of your bank or the financial service. Pay attention to the number of downloads, app ... Bogus finance apps on Google Play target users worldwide Help Net Security all 10 news articles »

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Context: Google, MB, Google Commerce, Target, Google, Google Wallet USA, Target, Mobile Banking, Security


Sep 19, 2018 - Rating Mobile Pay Apps - WDTN.com

Rating Mobile Pay Apps CNN - Your smartphone is replacing your wallet. Mobile payment apps like Venmo, Zelle and the Cash app are quickly replacing cash when it comes to paying friends and family. All three allow you to link up your bank account, type in a dollar amount, and ...

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Context: LINK, venmo, DC, MP, LINK, venmo, Venmo Touch UK, Venmo Touch, Venmo, Zelle, Mobile, Mobile Payment, Venmo, Zelle


Sep 19, 2018 - ANZ introduces cardless ATM withdrawals - Finextra (press release)

ANZ introduces cardless ATM withdrawals ANZ introduces cardless ATM withdrawals. 19 September 2018. 0. 0. 0. Customers of ANZ can now leave their wallets at home and withdraw cash from the Australian bank's ATMs with their mobile phones via Apple Pay and Google Pay. Samsung Pay, Gamin ...

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Context: Apple, Google, ATM, CardlessATM, ANZ NEW ZEALAND, Google Commerce, Apple USA, ANZ Group, Google, Samsung, Apple iCloud Keychain, Apple Passbook Wallet, Apple Pay - Australia, Apple Pay - Canada, Apple Pay - China, Apple Pay - France, Apple Pay - Hong Kong, Apple Pay - Japan, Apple Pay - New Zealand, Apple Pay - Russia, Apple Pay - Singapore, Apple Pay - Switzerland, Apple Pay - UK, Apple Pay, Google Wallet USA, Krungsri Quick Payment, Samsung Pay Australia, Samsung Pay Brazil, Samsung Pay China, Samsung Pay South Korea, Samsung Pay Malaysia, Samsung Pay Puerto Rico, Samsung Pay Russia, Samsung Pay Singapore, Samsung Pay Spain, Samsung Pay USA, Samsung Wallet, Samsung, Apple, Apple Pay, Ayudhya Cardless ATM, Samsung Pay


Sep 19, 2018 - Large-scale investors still have appetite for bitcoin at these levels, says analyst - MarketWatch

Large-scale investors still have appetite for bitcoin at these levels, says analyst While bitcoin remains firmly in a bear market, institutional and large-scale investors still have an appetite to buy digital currencies at these levels, says one analyst. “On the OTC [over-the-counter-] front we are still seeing significant demand ...

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Context: Bitcoin Foundation, Bitcoin, Investment, Bitcoin


Sep 19, 2018 - PayPal Checkout with Smart Payment Buttons roll out globally - Tamebay

PayPal Checkout with Smart Payment Buttons roll out globally In July this year, PayPal rolled out PayPal Checkout with Smart Payment Buttons in the US. They are now beginning to roll out PayPal Checkout with Smart Payment Buttons globally. In addition, after launching PayPal Marketing Solutions in the US late ...

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Context: PayPal, Smart Payment, Smart Payment, PayPal, Paypal Payment Code, Paypal Access, Paypal B2B Payment, Paypal One Touch, PayPal DT CB, Paypal Mobile SDK, Paypal Russia, Paypal Saudi Arabia, Paypal Wallet, Marketing, Zong, Paypal, PayPal DT CB


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)

        • Pay by mobile
          Pay by mobile

          Pay by mobile bill or prepaid credit for a range of goods and services

        • Premium Rate Services
          Premium Rate Services

          Premium rate services (PRS) are offered by a number of Level 1 and Level 2 providers, working with mobile network operators.

        • 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.

    • Wholesale Sector
      Wholesale Sector

      Wholesale Sector

  • 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.

    • Financial Inclusion/ How consumers access financial services
      Financial Inclusion/ How consumers access financial services

      The Financial Inclusion/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.

    • Investment
      Investment

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

    • 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.

      • 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

        • Cyber Security
          Cyber Security

          Cyber security relates to protection of systems, networks and data in cyberspace and in this topic we focus on connections with Digital Money, including e-commerce and e-security across mobile, web and other channels.

        • IoT Security
          IoT Security

          IoT security relates to protection of devices, systems, networks and data related to the Internet of Things.

        • 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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