The different channels through which services are made available |  |
| Title | Abstract | Icon |
|---|---|---|
| ACM (Channel) | Automatic Cash Machines (ACM) are becoming a popular way for consumers to deposit cash into the bank through self-service kiosks. |  |
| Agent Network (Channel) | The agent network refers to entities that act on behalf of other entities. In particular we analyse agents who provide cash in-cash out, customer AML/KYC checks and account opening functions on behalf of money transfer operators or banks. |  |
| All Channels | The Shift Thought™ framework has been built to take into consideration an extensible set of channels through which senders and receivers of digital money interact with the services. | |
| All Operations | Digital Money Operations consists of all those dimensions involved in delivering products and services to the market. |  |
| ATM | Automated Teller Machines (ATMs) are an important way through which consumers can have access to the money in bank accounts. | |
| Title | Abstract | Icon |
|---|---|---|
| Branch | A branch, banking center or financial center is a retail location where a bank, credit union, or other financial institution (and by extension, brokerage firms) offers a wide array of face-to-face and automated services to its customers. |  |
| Title | Abstract | Icon |
|---|---|---|
| Email is increasingly playing a part in the digital money process, as a channel for presentation of a bill, notification and more. |  |
| Title | Abstract | Icon |
|---|---|---|
| Home Delivery | Home Delivery is a way in which the last mile of the money transfer service can optionally be served. |  |
| Title | Abstract | Icon |
|---|---|---|
| Kiosk | Self-service kiosks are a means by which consumers can complete steps involved in the process of money transfer so as to conveniently initiate or complete other functions. |  |
| Title | Abstract | Icon |
|---|---|---|
| Location | The term location has been used to signify a brick-and-mortar retail store or shop that belongs to a non-banking provider. |  |
| Title | Abstract | Icon |
|---|---|---|
| MNO | Mobile Operator outlets may be used as a channel for accessing some services. |  |
| Mobile | The mobile channel has currently seen some of the most innovative launches over the last decade. | |
| MTO | Money Transfer Operator outlets may be used as a channel for accessing some services. | |
| Title | Abstract | Icon |
|---|---|---|
| POS Channel | Point of Sale (also called as POS or Checkout) is the place where a retail transaction is completed. It is the point at which a customer makes a payment to a merchant in exchange for goods or services. |  |
| Title | Abstract | Icon |
|---|---|---|
| Utility | Utility outlets may be used as a channel for accessing some services. | |
| Title | Abstract | Icon |
|---|---|---|
| Voice | The voice channel refers to the use of telephone based customer support. Consumers can initiate transactions by phoning a call center and paying with their card or other methods. |  |
| Title | Abstract | Icon |
|---|---|---|
| Web | The use of the internet for conducting money transfer and payments transaction has become increasingly popular. The sender typically pays for the transaction with a credit card or a PIN-less debit card. |  |
| Title | Abstract | Icon |
|---|---|---|
| Operations | operations of different kinds | |