Page 241 - The Digital Financial Services (DFS) Ecosystem

ITU-T Focus Group Digital Financial Services
Ecosystem

4. Paying large institutions with eMoney: While payments to MNOs, schools, governments, and other
institutions are a small part of BoP obligations, they may be a meaningful factor in driving eMoney
adoption since many individuals use these services. Because these institutions can be quasi-monopolies,
government-controlled entities, or otherwise influential organizations, they can mandate eMoney.
Examples include registration payments for public schools in The Ivory Coast and tuition payments to the
Bridge Academy, an independent school system in Kenya. The often remote nature of these institutions
provides an additional catalyst for eMoney adoption.

Figure 10 – Example eMoney use cases

4 Agricultural Use Cases

Although not a silver bullet, agricultural use cases play a role in a holistic approach to achieving digital liquidity.
Example use cases for tight value chains include:
• bulk payments to farmers;

• multi-party agriculture payments;
• input subsidy programs;

• trader credit (agriculture items);
• informal store credit;
• savings-based line of credit (LoC).

This section discusses these use cases with the intention of:
• Highlighting the range of benefits eMoney can provide to SHFs, and whether digital liquidity is one of
them.
• Illustrating the importance of tailoring solutions to specific use cases. The user experience, value
proposition, backend processes, pricing, rollout strategies, and other components must be tailored to
each use case.

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