For consumer adoption and merchant interest, new products and services must address real needs in the market. This is largely related to access that the market has through various channels. We monitor market access levels, cost structure and innovations across a variety of channels including mobile, web, POS, Retail and Voice.

Too often we find that use of terminology is confusing or incorrect when it comes to digital money services - For example should you consider mobile money transfer to be a channel, a product or a class of trade, where you make use of mobile operator top-up networks as agents for financial services. To clarify this, we have created the Shift Thought Analysis framework which you can use to describe your new products and services or track what the competition is offering.