Page 11 - The Digital Financial Services (DFS) Ecosystem

1 Introduction 260

2 The Current State of Play 261

3 The Role of Postal Networks in Digital Financial Services 262

4 Posts as support services 262
4.1 BM1: Cash-merchant 262
4.2 BM3: Partnership 263
4.3 BM2: Proprietary domestic and cross-border payments 265
4.4 BM4: Postal savings bank 266
4.5 BM5: Full-fledged postal bank 267
4.6 The Post as a mobile virtual network operator (MVNO) 268
4.7 The Post as an interoperability platform 268
4.8 The Post as an eCommerce or mCommerce facilitator 269

IX B2B and the DFS Ecosystem 270

Executive Summary 271

1 What are B2B payments? 272

2 B2B payment requirements 272

3 Benefits of B2B payments: Small buyers 276

4 Benefits of B2B payments: Small suppliers 279

5 Counter examples 281

6 Trends affecting B2B payments 282

7 Second order benefits 282

8 Barriers to B2B adoption 284

9 Considerations for financial policy makers 286

X Bulk Payments and the DFSs Ecosystem 287

Executive Summary 288

1 What are bulk payments? 289

2 History: How bulk payments are made 289

3 Challenges 290

4 The last 10 years: New ways of making bulk payments 291

5 Remaining challenges 293

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