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a2a interoperaBility makinG moBile money scHemes interoperate
3.6
Direct connectivity
to national A cH
n this option, the mmo schemes would connect directly to a national acH scheme, submitting transactions directly without using a
partner bank. this would aim to enable all transactions, including inter-scheme e-money transactions, to be passed through the acH.
Ithe acH scheme would need to change to allow references for mobile money wallet accounts as well as bank accounts.
this approach is illustrated below:
MMO A BANK
MMO B BANK
ACH
MMO C BANK
$
$
BANK $
Figure 5: Direct Connectivity to National ACH
18
3.6
Direct connectivity
to national A cH
n this option, the mmo schemes would connect directly to a national acH scheme, submitting transactions directly without using a
partner bank. this would aim to enable all transactions, including inter-scheme e-money transactions, to be passed through the acH.
Ithe acH scheme would need to change to allow references for mobile money wallet accounts as well as bank accounts.
this approach is illustrated below:
MMO A BANK
MMO B BANK
ACH
MMO C BANK
$
$
BANK $
Figure 5: Direct Connectivity to National ACH
18
