Page 10 - The Digital Financial Services (DFS) Ecosystem

6 Considerations for policy makers 191

Appendix 1: Glossary of terms 192

Appendix 2: ACD case studies 193

VI Impact of Agricultural Value Chains on Digital Liquidity 200

Executive Summary 201

1 Introduction 203

2 Background 204

3 Are payment-enabled agricultural value chains a solution for digital liquidity? 207

4 Agricultural Use Cases 213

5 Policy Considerations 219

VII Impact of social networks on digital liquidity 221

Executive Summary 222

1 Introduction 224

2 Social networks 224
2.1 What are social networks? 224
2.2 User activities 224
2.3 Mobile access 228
2.4 Pursuit of revenue 229

3 BoP not participating 232
3.1 Low Internet adoption 232
3.2 Feature phone and smartphone challenges 233
3.3 Low financial inclusion 233

4 Potential benefits to the BoP 234
4.1 Digital on-ramps 234
4.2 Platforms for BoP ecosystems 235
4.3 Payment networks 237
4.4 Marketplaces 239
4.5 Beneficial data collection 240

5 Policy considerations 242
5.1 Encourage adoption 242
5.2 Protect consumers 245

Appendix I 248

VIII The Role of Postal Networks in Digital Financial Services 259

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