Mobile Money Regulation

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This document discusses mobile money regulation and interoperability. It notes that interoperability is primarily a regulatory issue and provides advantages like cost effectiveness, consumer convenience, and sustainability. The document contrasts interoperable systems, which regulators promote, with exclusive systems operated in silos that are not sustainable. It emphasizes the role of national regulators in proportionate oversight and continuous policy dialogue to support development. Finally, it addresses the importance of service level agreements, consumer protection from risks like fraud, and keeping regulators informed through ongoing communication.

This document is offered compliments of
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All rights reserved.

MOBILE MONEY
REGULATION
BY
I.LETSOLO –
ANALYST NPS OVERSIGHT
CENTRAL BANK OF LESOTHO

INTEROPERABILITY
-

Question of infrastructure or regulation
To a limited extend – infrastructure as some Mobile
Network Operators invest in closed systems with
the hope to develop them at the later stages
-

To a major extend – regulatory

ADVANTAGES OF INTEROPERABILITY
Cost effectiveness
 Cost of establishments and ease of integration
 Consumer convenience
 Sustainability


INTEROPERABILITY

VS EXCLUSIVITY

-Interoperability vs exclusivity in Mobile payments
Interoperability simply emphasizes ability of payment
systems to communicate with each other.
-Regulators promote interoperability in payment systems
-Interoperability is key to successful implementation of
payment systems.
-Payment systems that operate in Silos are not sustainable
in any economy.
-Final customers enjoy interoperable products.
Exclusivity –
In some countries can be a business decision by Mobile
Network operators while in other countries guidelines or
regulations prescribe non-exclusivity

ROLE OF NATIONAL REGULATORS
IN DEVELOPMENT


Role of national regulators in development
 Proportionate

regulatory environment

 Proportionate
 Risk

management

 Continuous
 Moral

Oversight

Policy dialogue

suasion - development

SERVICE LEVEL AGREEMENT AND CUSTOMER
SERVICES


Consumer protection
Risk of fraud
 Loss of privacy
 Loss of service
 Loss of confidence




Public policy objectives




affordability

Consumer education

KEEPING YOUR REGULATOR ON THE LOOP
On-going communication with the regulator
 Managing risks together
 Involving regulators on various stages of product
development


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Mobile Money Regulation

2. MOBILE MONEY REGULATION BY I.LETSOLO – ANALYST NPS OVERSIGHT CENTRAL BANK OF LESOTHO

3. INTEROPERABILITY - Question of infrastructure or regulation To a limited extend – infrastructure as some Mobile Network Operators invest in closed systems with the hope to develop them at the later stages - To a major extend – regulatory

4. ADVANTAGES OF INTEROPERABILITY Cost effectiveness  Cost of establishments and ease of integration  Consumer convenience  Sustainability 

5. INTEROPERABILITY VS EXCLUSIVITY -Interoperability vs exclusivity in Mobile payments Interoperability simply emphasizes ability of payment systems to communicate with each other. -Regulators promote interoperability in payment systems -Interoperability is key to successful implementation of payment systems. -Payment systems that operate in Silos are not sustainable in any economy. -Final customers enjoy interoperable products. Exclusivity – In some countries can be a business decision by Mobile Network operators while in other countries guidelines or regulations prescribe non-exclusivity

6. ROLE OF NATIONAL REGULATORS IN DEVELOPMENT  Role of national regulators in development  Proportionate regulatory environment  Proportionate  Risk management  Continuous  Moral Oversight Policy dialogue suasion - development

7. SERVICE LEVEL AGREEMENT AND CUSTOMER SERVICES  Consumer protection Risk of fraud  Loss of privacy  Loss of service  Loss of confidence   Public policy objectives   affordability Consumer education

8. KEEPING YOUR REGULATOR ON THE LOOP On-going communication with the regulator  Managing risks together  Involving regulators on various stages of product development 

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