Digital economy blueprint

DIGITAL PAYMENTS

14

:

 

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Accessibility: Can users access different payment 

instruments in both physical and digital channels 

with ease?

 

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Usefulness: To what degree do current payment 

instruments and channels meet the payment related 

needs of end-users and the market? 

 

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Affordability: What is the cost incurred by end us-

ers to make and receive payments across different 

channels?

 

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Efficiency: For end-users, what is the time asso-

ciated/indirect costs and level of effort required 

to transact using a particular payment service or 

instrument?  For payment service providers, what 

is the ease of entering the market, the costs of pro-

viding a payment service to their customers’ satis-

faction and the ability to earn revenue?