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In the past six years, several emerging economies have introduced instant payments with varying degrees of success.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:27.235+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9e90737f-c826-47a0-8640-c43f9a418cec", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.3, "x": 0.04, "y": 0.44 }, "kind": "title", "text": "Executive Summary", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:27.235+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9a31d878-ce52-46a7-98f4-7067a2254782", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Executive summary", "slug": "executive-summary", "status": "active", "bestFor": null, "canonId": "019dd9e1-4b63-72d5-9734-da757d91ca61", "version": 1, "bodyDocId": null, "description": "A condensed view of the entire argument on a single slide / block.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "14cac89a-2eeb-435d-9e45-b2185aa9c12c", "evidence": "This slide has a title 'Executive Summary' and paragraphs that summarize the report.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-16 21:20:45.033547+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 4, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [], "arcBeats": [ { "to": 4, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 1, "name": "Situation & Context", "beatId": "32e96444-a377-4698-929a-304098a9e882", "matchId": "0f36f484-f815-4ff8-a5b3-f396bca0aa1f", "beatType": { "name": "Situation & Context", "slug": "consultants-gambit-situation-context", "status": "active", "canonId": "019dd9b8-05ae-741b-992d-65ee83c639b3", "version": 1, "description": null }, "evidence": "The document sets the stage with an executive summary and an overview of the instant payments landscape.", "position": 0, "isPrimaryArc": true, "parentBeatType": { "name": "Setup", "slug": "setup", "status": "active", "canonId": "019dd9b8-020e-7505-af9b-d9b9a4679bcc", "version": 1, "description": "Where the deck grounds the reader before doing anything else. 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Finding the right fee structure to confirm sustainability: Some specialists argue that free-for-the-user instant payments won't be able to maintain themselves over the long term without levying merchant discount rates to pay for its infrastructure.\n2. Overcoming the lack of awareness regarding Instant Payments' security: Security concerns loom large in the minds of small merchants and users.\n3. Reaching places with poor internet connectivity and low digital literacy: It may still be challenging to conduct Instant Payments transactions.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:31.067+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "661376f8-303b-4b75-8a7b-9c4ed7a3eb6f", "parentComponentId": null }, { "bbox": { "h": 0.18, "w": 0.62, "x": 0.35, "y": 0.22 }, "kind": "list", "text": "1. Addressing: The Instant Payments system in a country with low mobile penetration may not employ phone-based aliases for routing/addressing purposes but instead opt for aliases based on national IDs or domain-based aliases (i.e., user@bank).\n2. Openness: The Instant Payments system in a country with low bank account penetration may allow third parties, such as non-banks and fintechs, to participate.\n3. 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Let's talk about Anil in India and Gabriela in Brazil to show how and why the world seems to be moving towards instant payments.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:30.566+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "80d64dd4-977c-418d-8a54-3886540b9329", "parentComponentId": null }, { "bbox": { "h": 0.3, "w": 0.6, "x": 0.35, "y": 0.62 }, "kind": "paragraph", "text": "Anil's bakery shop in a Tier 1 city in India\nAnil runs a small mom-and-pop store that sells local bakery items and birthday cakes. When he started his business, he relied purely on cash to receive payments from his clients. Later, as customers began having bank accounts and holding debit and credit cards, he bought a Point of Sale machine, and a significant proportion of his payments moved to digital payments. The process was generally reliable, it was very expensive and time consuming.\nAs his business grew, Anil started to receive more requests for rush orders, which required immediate payment. He was referred to try out UPI acceptance. He got a UPI QR Sound Box from a non-bank that charged him a fraction of the cost he paid for the POS provider, and he found the verbally narrated out acknowledgement of payment very convenient as it made the payment process very quick (no dipping the card or checking if payment was approved or not).", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:30.566+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e4a89a43-25cf-40ea-8a04-e8fab41e9bbf", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.45, "x": 0.04, "y": 0.44 }, "kind": "title", "text": "Section 1\nUnderstanding instant payments", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:30.566+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "67e60aa3-4a8a-4a96-a018-bc3668db27a4", "parentComponentId": null } ], "metrics": [], "tools": [ { "tool": { "name": "Section divider", "slug": "section-divider", "status": "active", "bestFor": null, "canonId": "019dd9e1-4c66-707d-8d1f-6e14547134c7", "version": 1, "bodyDocId": null, "description": "A transitional slide marking the start of a new section.", "familyLabel": null, "categoryName": null, "categorySlug": null }, "agent": null, "layer": "slide", "agents": null, "matchId": "28338c35-0491-4cd1-a23c-44d3b6517daf", "evidence": "This slide has a title 'Section 1: Understanding instant payments' and paragraphs that introduce the section.", "pageRefs": null, "priority": null, "whenToUse": null, "confidence": 0.9, "extraction": { "at": "2026-07-16 21:20:45.151377+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "whyItWorks": null, "antipattern": null, "cardinality": "common", "narrativePurpose": null } ], "frameworks": [ { "matchId": "adef6fe3-08f6-4584-a91c-323fbe141d1c", "evidence": "Use of 'Anil' as a representative persona to illustrate a broader market trend.", "framework": null, "confidence": 0.8, "extraction": { "at": "2026-05-02 19:07:30.566+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "pageNumber": 6, "frameworkName": "audience-persona" } ], "arcBeats": [ { "to": 9, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null }, "from": 5, "name": "Problem & Complication", "beatId": "518986f3-5db8-4f3e-96fd-467065ad2025", "matchId": "0f36f484-f815-4ff8-a5b3-f396bca0aa1f", "beatType": { "name": "Problem & Complication", "slug": "consultants-gambit-problem-complication", "status": "active", "canonId": "019dd9b8-064a-777f-a374-e9a8c43dedd4", "version": 1, "description": null }, "evidence": "The document analyzes the complexities of instant payments ecosystems and highlights challenges.", "position": 1, "isPrimaryArc": true, "parentBeatType": { "name": "Complication", "slug": "complication", "status": "active", "canonId": "019dd9b8-0275-7709-b2d6-4f77c3fc7579", "version": 1, "description": "The point in the narrative where the audience should feel discomfort. 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The term instant payment describes account-to-account fund transfers initiated, cleared and settled within seconds, at any time of the day or week, holidays and weekends included.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:27.91+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "4fdba32e-c2fc-4379-bb0c-38903976db03", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.28, "x": 0.36, "y": 0.14 }, "kind": "paragraph", "text": "How do instant payments work? 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(ii) Bank C credits its own internal clearing account... (iii) Bank D debits its internal clearing account... (iv) Bank C debits its settlement account...", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:28.424+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "1474fe1a-8f4d-4869-9b2a-b8abd18c8f2b", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.3, "x": 0.04, "y": 0.17 }, "kind": "paragraph", "text": "But why does the envelope contain instructions and not funds? 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A clearing process on a transaction-by-transaction basis that enables payments to be credited to the payees' accounts in real time. 2. 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Despite Mexico’s government policies to promote a digital economy, only 49.1% of the population that is between 18 and 70 years old has an account with a financial institution.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:30.055+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6ac4de2d-ef0a-4cb1-9263-615228416859", "parentComponentId": null }, { "bbox": { "h": 0.25, "w": 0.28, "x": 0.04, "y": 0.655 }, "kind": "quote", "text": "The development of instant payments in Mexico, where cash is widely used, requires more convenient and safe locations, where people can deposit to digitize their cash.", "attrs": null, "canon": { "kind": { "name": "Quote", "slug": "quote", "status": "active", "canonId": "019de52c-f8fb-751e-8bc6-d58e2d59562a", "version": 1, "description": "Pull quote or testimonial." }, "tool": null, "subkind": { "name": "Testimonial", "slug": "testimonial", "status": "active", "canonId": "019de52c-fc21-71b6-9ac3-8266a64945e8", "version": 1, "description": null }, "framework": null }, "subkind": "testimonial", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:30.055+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a6ff6cab-0b29-453b-b5a8-633026ad63eb", "parentComponentId": null }, { "bbox": { "h": 0.02, "w": 0.4, "x": 0.352, "y": 0.92 }, "kind": "source-note", "text": "Source Comisión Nacional Bancaria y de Valores, Encuesta Nacional de Inclusión Financiera, 2021.", "attrs": null, "canon": { "kind": { "name": "Source note", "slug": "source-note", "status": "active", "canonId": "23484952-494b-4a5e-b1ad-550d0d70e948", "version": 1, "description": "Attribution / source / caveat placed at the slide footer. 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It provides a diverse range of additional services such as UPI AUTOPAY, UPI Lite, 123Pay, UPI Intent-based payments, UPI for IPO suscription payments, static and dynamic QR codes for UPI transactions, cash withdrawal at ATMs using UPI, credit on UPI using RuPay credit cards, one time or recurring payment mandates and interoperable QR codes for UPI payments. In addition to the traditional use cases like Person to Person, Person to Business, Business to Person, and Government Payments, UPI has developed other payment types and complimentary services. For example: Bill payments: UPI supports the payment of utility bills, mobile recharges, DTH (Direct-to-Home) services, and other bills through the UPI-enabled apps. 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This encourages users to make digital payments without incurring additional costs. 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Users can visit participating merchants, provide their UPI ID, and withdraw cash from their bank accounts without visiting an ATM.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 21:24:05.26+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6503d185-d2cd-465e-b994-896cec6a72b4", "parentComponentId": null }, { "bbox": { "h": 0.12, "w": 0.28, "x": 0.05, "y": 0.68 }, "kind": "paragraph", "text": "Cashback offers: Many banks, payment service providers, and e-commerce platforms offer cashback incentives to users who choose UPI as their payment method. Users can earn a percentage of their transaction amount back as cashback, encouraging them to use UPI for payments. 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Users typically need to authenticate themselves using a combination of factors, such as their device credentials (PIN, pattern, fingerprint) and UPI PIN, to authorize UPI transactions.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 21:24:05.26+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a068423e-39e3-42ec-8268-7cfcfb8739dc", "parentComponentId": null }, { "bbox": { "h": 0.1, "w": 0.28, "x": 0.36, "y": 0.23 }, "kind": "paragraph", "text": "Referral programs: Referral programs incentivize users to refer UPI to friends, family, or acquaintances. Users who refer others to use UPI may receive incentives such as cash rewards, vouchers, or additional benefits when the referred user performs qualifying transactions. 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They develop and maintain UPI-enabled mobile apps, provide a secure payment environment, and enable interoperability between different banks' UPI systems.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 21:24:05.26+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "a90fb77e-1b18-4136-8790-66f2073b3046", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.28, "x": 0.36, "y": 0.34 }, "kind": "paragraph", "text": "Merchant discounts: UPI provides benefits to merchants as well. Merchants who accept UPI payments may receive discounts on transaction fees or lower fees than other payment methods. 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These discounts may include price reductions, exclusive deals, or additional benefits for using UPI while making purchases.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 21:24:05.26+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "aaeac1be-598b-4976-9b07-7eace6738fb2", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.28, "x": 0.67, "y": 0.14 }, "kind": "paragraph", "text": "In-app payments: UPI can be integrated into various third-party apps, such as e-commerce platforms, food delivery apps, ticketing services, and more. 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Moreover, mobile phone penetration might ease instant payments adoption. Still, through our analysis, we can surmise that the key determinants of a country's performance are the three adoption boosters: addressing, openness, and payment functionality.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:37.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "31b62d33-09e0-4c9e-8cb8-46d455f929cc", "parentComponentId": null }, { "bbox": { "h": 0.08, "w": 0.42, "x": 0.04, "y": 0.625 }, "kind": "paragraph", "text": "To compare the rate of instant payments adoption across countries while trying to control for different population and economy sizes, we used the value of all Instant Payments transactions as a percentage of GDP.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 19:07:37.014+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "e377338e-8eae-4ce4-8edf-a3f9c779cf30", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.42, "x": 0.04, "y": 0.69 }, "kind": "paragraph", "text": "As a percentage of GDP, Instant Payments systems have had different trajectories for our selected countries. Thailand has the highest proportion of instant payments as a percentage of GDP, while India and Brazil have grown up to a similar proportion. However, Brazil has grown significantly faster than India, almost as fast as Thailand. 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These four countries can serve as relevant examples to learn from, but this is — by no means — an exhaustive analysis. For instance, UPI and CoDi have required that nobody can be charged for using the Instant Payments solution. This can be useful to drive user and merchant adoption, but it might require government support to enable the economic sustainability of the system. Additionally, the benefits of this strategy (as shown in Section 3) could only be reaped if there is sufficient openness to enable competition among the players trying to provide a cheaper and more effective interface. 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