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appenDiX a - assessment eXamples
an overall summary can be drawn from the above, as follows:
PArTNEr DIrECT COMMErCIAl
BIlATErAl NEUTrAl COMMErCIAl BANK TO CONNECT TO PrOCESSOr
AGrEEMENT PrOCESSOr PrOCESSOr NATIONAl NATIONAl FOr BANK
ACH ACH INTErFACE
no eXplicit Bilateral For
mmo scHemes,
reQuirement
DiFFicult to For central mature
OvErAll manaGe scale suspect time aDDitional Questions Bank operation,
costs may Be
real-time
oVer Delay in
to market Vs
ASSESSMENT to BankinG BeneFit proHiBitiVe acH settlement. processor For
sector potential Banks, sHoulD
strateGic Be aBle to
option manaGe cost
Table 11: Market Example 2 Assessment Summary
in this example assessment, bilateral agreements between different mmos, and using a commercial process to connect to all banks,
could be considered to be most appropriate. this is based on the assumption that an established in-country processor operates an
existing mature real-time service for the banking sector, which has costs appropriate to the needs of the local market; and that the
national acH cannot offer a similar level of service. this mixed approach should be relatively quick to deploy if agreement between
schemes is readily reached for the technical integrations required and between schemes and the commercial bank processor.
43
an overall summary can be drawn from the above, as follows:
PArTNEr DIrECT COMMErCIAl
BIlATErAl NEUTrAl COMMErCIAl BANK TO CONNECT TO PrOCESSOr
AGrEEMENT PrOCESSOr PrOCESSOr NATIONAl NATIONAl FOr BANK
ACH ACH INTErFACE
no eXplicit Bilateral For
mmo scHemes,
reQuirement
DiFFicult to For central mature
OvErAll manaGe scale suspect time aDDitional Questions Bank operation,
costs may Be
real-time
oVer Delay in
to market Vs
ASSESSMENT to BankinG BeneFit proHiBitiVe acH settlement. processor For
sector potential Banks, sHoulD
strateGic Be aBle to
option manaGe cost
Table 11: Market Example 2 Assessment Summary
in this example assessment, bilateral agreements between different mmos, and using a commercial process to connect to all banks,
could be considered to be most appropriate. this is based on the assumption that an established in-country processor operates an
existing mature real-time service for the banking sector, which has costs appropriate to the needs of the local market; and that the
national acH cannot offer a similar level of service. this mixed approach should be relatively quick to deploy if agreement between
schemes is readily reached for the technical integrations required and between schemes and the commercial bank processor.
43
