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options to acHieVe a2a interoperiBility
the option to use a third party processor should be faster to market than creating an mmo scheme-neutral processor – but it is likely
to be more expensive on a per transaction basis. it will add costs to each transaction that could significantly affect the attractiveness of
inter-scheme mobile money interoperability to customers, especially unbanked customers.
When the average transaction value for mobile money is of the order of a few tens of dollars, adding a commercial processor could
adversely affect transaction cost (for example, assuming fees similar to debit cards) for the lowest value transactions, which would act to
significantly stifle the potential benefits of a2a interoperability.
15
the option to use a third party processor should be faster to market than creating an mmo scheme-neutral processor – but it is likely
to be more expensive on a per transaction basis. it will add costs to each transaction that could significantly affect the attractiveness of
inter-scheme mobile money interoperability to customers, especially unbanked customers.
When the average transaction value for mobile money is of the order of a few tens of dollars, adding a commercial processor could
adversely affect transaction cost (for example, assuming fees similar to debit cards) for the lowest value transactions, which would act to
significantly stifle the potential benefits of a2a interoperability.
15
