Personas of Digital Money Initiatives |  |
| Title | Abstract | Icon |
|---|---|---|
| Airtime Top-up | This describes services that support domestic and international top-up and transfer of prepaid airtime. |  |
| All Personas | Digital Money refers to the digitisation of value and subsequent utilisation for a wide range of products and services. |  |
| Title | Abstract | Icon |
|---|---|---|
| Bill Payment | Bill Payment refers to services that allow for payment of utility bills. |  |
| Branchless Banking | Branchless Banking leverages technology and non-bank agents for providing account opening and cash services. |  |
| Title | Abstract | Icon |
|---|---|---|
| Carrier Billing | Carrier Billing refers to payments taken from prepaid mobile airtime or mobile operator bills. |  |
| Title | Abstract | Icon |
|---|---|---|
| Digital Banking | Digital Banking includes various forms of banking that leverage technology to supplement services provided by traditional bank branches. |  |
| Digital Network | Digital Network includes cash in-cash out exchange points, kiosks, POS devices and other systems forming part of the value transfer network. |  |
| Digital Payment | Digital Payment refers to a model for a set of electronic payments such as online and mobile payments. |  |
| Digital Technology | The persona for Digital Technology describes a model for provision of technology innovations and white label services. |  |
| Digital Wallet | The digital wallet persona represents the use of an account and stored value or e-money across multiple channels and services. |  |
| Title | Abstract | Icon |
|---|---|---|
| Local Payment | Transacted locally using non-NFC, for example biometrics |  |
| Title | Abstract | Icon |
|---|---|---|
| Mobile as POS | Mobile as point-of-sale includes services that allow acceptance of payments using mobile devices. |  |
| Mobile Banking | The mobile banking persona models services that offer the ability to use a mobile device to conduct a range of banking services. |  |
| Mobile Money | Financial services, often led by mobile operators, typically providing a stored value account associated with a mobile subscriber. |  |
| Mobile Money Transfer | This refers to the use of a mobile device to initiate or receive payment of money. |  |
| Mobile Payment | Use of a mobile device as a channel to initiate payment, whether local or remote. |  |
| Mobile Wallet | A mobile wallet refers to the use of an account and stored value or e-money associated with a mobile subscription. |  |
| Money Transfer | The Money Transfer persona models services that allow the use of a mobile device to initiate or receive payment of money. |  |
| Title | Abstract | Icon |
|---|---|---|
| Near Field Communication (NFC) | Near field communication (NFC) is a set of standards for smartphones and similar devices to establish radio communication with each other by touching them together or bringing them into close proximity, usually no more than a few centimeters. |  |
| Title | Abstract | Icon |
|---|---|---|
| Online Banking | Online Banking refers to the ability to use the internet to conduct a range of banking services. |  |
| Online Money Transfer | Online Money Transfer refers to the use of the Internet to initiate or receive payment of money. |  |
| Online Payment | Online payment refers to the ability to use a mobile device to conduct a range of payment services over the internet. |  |
| Title | Abstract | Icon |
|---|---|---|
| Payment Hub | This covers infrastructures and interfaces to facilitate functions involved in the transfer of value. |  |
| Payment Service Provider | A payment service provider offers merchants online services for accepting electronic payments by a variety of payment methods. |  |
| Prepaid Card | A payment card that is pre-loaded with money for use where the payment card is accepted, including online and abroad. |  |
| Title | Abstract | Icon |
|---|---|---|
| Remote Mobile Payment | Transacted remotely using a mobile device |  |
| Title | Abstract | Icon |
|---|---|---|
| Technology Provider | A technology provider offers the platform or software technologies required in order to offer digital money services. This is often provided as a white-labelled service. | |
| Title | Abstract | Icon |
|---|---|---|
| Virtual Currency | Virtual currencies, also known as crypto currencies are a form of digital means of value transfer. | |
| Title | Abstract | Icon |
|---|---|---|
| Operations | operations of different kinds |  |