DIGITAL PAYMENTS
14
:
Accessibility: Can users access different payment
instruments in both physical and digital channels
with ease?
Usefulness: To what degree do current payment
instruments and channels meet the payment related
needs of end-users and the market?
Affordability: What is the cost incurred by end us-
ers to make and receive payments across different
channels?
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?
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