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options to acHieVe a2a interoperiBility
the biggest potential drawback with this approach is scalability – how is the complexity of many-to-many relationships to be managed if
the number of participant grows. there are two different potential issues here:
a. mmo account to mmo account connectivity should not be an issue. in most markets, there are only a small number (typically, less
than five) of mobile money schemes and as such a relatively small number of bilateral agreements need to be agreed. so, scalability
of bilateral agreements for mmo schemes should not be a problem;
B. By contrast, connectivity to banks may be an issue, since there often are many more banks in a market than mmos. this may create
significant integration overhead. However, if the interface to banks is standardised across all schemes, connectivity can be made to
be relatively straightforward.
a strategy to mitigate this issue would be to consider a single ‘connect point’ for mmos to interact with the conventional banking net-
work, leaving inter-mmo transactions for bilateral agreements. this option is explored further in the section below entitled ‘a single Bank
and national acH to interface to all Banks’.
11
the biggest potential drawback with this approach is scalability – how is the complexity of many-to-many relationships to be managed if
the number of participant grows. there are two different potential issues here:
a. mmo account to mmo account connectivity should not be an issue. in most markets, there are only a small number (typically, less
than five) of mobile money schemes and as such a relatively small number of bilateral agreements need to be agreed. so, scalability
of bilateral agreements for mmo schemes should not be a problem;
B. By contrast, connectivity to banks may be an issue, since there often are many more banks in a market than mmos. this may create
significant integration overhead. However, if the interface to banks is standardised across all schemes, connectivity can be made to
be relatively straightforward.
a strategy to mitigate this issue would be to consider a single ‘connect point’ for mmos to interact with the conventional banking net-
work, leaving inter-mmo transactions for bilateral agreements. this option is explored further in the section below entitled ‘a single Bank
and national acH to interface to all Banks’.
11
