This Recommendation highlights important aspects related to Quality of Service (QoS) and Quality of Experience (QoE) which shall be considered in the context of Digital Financial Services (DFS). It builds upon the discussions in the (now closed) Focus Group DFS and on [b-DFS TR]. The continuation of work on QoS and QoE aspects is undertaken by the Financial Inclusion Global Initiative (FIGI) [b-FIGI-1], [b-FIGI-2], [b-FIGI-3].