SECURING DIGITAL WALLETS FOR CBDCS
In this brief Linkedin post, mobile or digital wallets are defined, a general overview is provided, and the general security requirements are summarized.
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CENTRAL BANK DIGITAL CURRENCY (CBDC) – SECURE ECOSYSTEM
A brief description of the steps that might be taken to create a retail and a wholesale central bank digital currency. This was originally a Linkedin post that was shared publicly.
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FORMAL FINANCIAL INCLUSION IN ETHIOPIA COMPARED TO OTHER EAST AFRICAN COUNTRIES 2023
This slide shows the percentage of the population in Ethiopia, Kenya, Rwanda, Tanzania, and Uganda, who can be considered financially included through traditional banks and/or mobile money.
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MOBILE MONEY IN ETHIOPIA: ADVANCING FINANCIAL INCLUSION AND DRIVING GROWTH
This publicly available report by GSMA sows that mobile money might add US$5.3 billion to Ethiopia;s GDP through greater financial inclusion.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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DRIVEN BY PURPOSE: FIFTEEN YEARS OF MPESA EVOLUTION
A link to a McKinsey report describing the evolution of Kenya’s M-Pesa’s mobile wallet, among the world’s first mobile money solutions, and its important role in promoting financial inclusion. Subsequently, lessons from M-Pesa were applied globally.
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OPINION: WHY FACEBOOK’S NEW CRYPTOCURRENCY IS A THREAT TO MPESA AND SAFARICOM
A short opinion piece arguing that Facebook’s now defunct cryptocurrency, designed for P2P payments would be a threat to both mPesa and Safaricom.
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A NEW PUSH FOR PUSH PAYMENTS
This white paper by Mastercard explains that as real-time payments increase globally, Card-based push payments (push-to-card) enable participants to send funds directly to consumers and small businesses via their payment card accounts. Receipt of funds via a payment card, typically a debit card linked to a deposit account, makes for a seamless consumer experience,
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