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Blockchain technology\nBlockchain technology promises to transform the payments ecosystem by improving the efficiency of financial transactions around the world. 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NFC technology\nNFC technology is gaining popularity in emerging markets because of its safety, versatility and convenience. 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Introduce and develop electronic payments products to promote cashless transactions\n2. Develop frameworks, policies, guidelines and circulars to guide the operations of the industry players\n3. Promote interoperability of these payment products and channels to ensure a seamless experience for customers\n4. Develop and implement a strong monitoring and governance framework for all members and sub-members to minimise frauds and risks in the payments systems\n5. Resolve disputes and customer complaints and ensure a robust mechanism is developed to facilitate this", "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 18:07:58.734+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "51e08dbe-8744-4ac7-a7be-6ff466967266", "parentComponentId": null }, { "bbox": { "h": 0.05, "w": 0.4, "x": 0.06, "y": 0.59 }, "kind": "paragraph", "text": "In India, the RBI developed the Payment and Settlement System Act in 2007. The RBI was also at the forefront of the creation of the NPCI, which manages and governs all retail e-payment systems in the country.", "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 18:07:58.734+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "2c032668-16a4-469c-985f-64f68c93845e", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.4, "x": 0.06, "y": 0.26 }, "kind": "paragraph", "text": "A key regulatory aim is building security and trust in the payments system by understanding, monitoring and, where necessary, intervening to protect the rights of retail and commercial customers.", "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 18:07:58.734+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "676c6826-e68c-4182-922d-59922cdabd63", "parentComponentId": null }, { "bbox": { "h": 0.06, "w": 0.4, "x": 0.06, "y": 0.52 }, "kind": "paragraph", "text": "Across various emerging markets, we have seen the regulatory bodies adopt some or all of these roles and objectives to promote the development of secure and efficient e-payments. Most emerging markets have also introduced a common set of legally enforced regulations.", "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 18:07:58.734+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "9836dd3e-2b65-452a-8c8c-c5fd00ed5d34", "parentComponentId": null }, { "bbox": { "h": 0.42, "w": 0.4, "x": 0.52, "y": 0.22 }, "kind": "paragraph", "text": "The central bank in Mexico has introduced the Payment Systems Act (PSA) to provide electronic payment transactions and has developed the Sistema de Pagos Electrónicos Interbancarios, which is a near real-time hybrid settlement system for payments.\n\nNigeria's CBN has introduced the Payments System Policy and Oversight Office, which monitors existing and planned payments system and issues licences to PSPs.\n\nRegulators have tended to follow a collaborative approach, in which they develop draft rules and policies in consultation with key members of the payment ecosystem. 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The adoption of these new innovations within emerging markets could help create new revenue channels and reduce overheads, positively impacting bottom lines for companies and governments alike. These unique experiences enable customers and industry players to explore new products and technologies that advance the payment experience in areas such as mobile, security and cloud-based payments, and contribute to the overall growth and development of the country. Use case expansion Regulatory support, advances in technology and accelerating customer adoption of these technologies have opened up new avenues for e-payments. Payment of fees for educational institutions, payment of taxes and fines to the government, payments to merchants and retail institutions and toll and transit payments are among the options which can now be facilitated using a simple mobile app. Growth and acceptance of taxi aggregator apps is based on the ease and convenience of payments offered by these apps. 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We're a network of firms in 157 countries with more than 208,000 people who are committed to delivering quality in assurance, advisory and tax services. Find out more and tell us what matters to you by visiting us at www.pwc.com.\nThis publication has been prepared for general guidance on matters of interest only, and does not constitute professional advice. You should not act upon the information contained in this publication without obtaining specific professional advice. No representation or warranty (express or implied) is given as to the accuracy or completeness of the information contained in this publication, and, to the extent permitted by law, PwC does not accept or assume any liability, responsibility or duty of care for any consequences of you or anyone else acting, or refraining to act, in reliance on the information contained in this publication or for any decision based on it.\nFor more information about the global Financial Services marketing programme, please contact Áine Bryn on +44 (0) 20 7212 8839 or aine.bryn@uk.pwc.com.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:07:59.695+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "019d893e-212c-4197-bd4d-1a517d3d2f90", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true }, { "page": 36, "type": "setup", "function": "other", "rawType": "disclaimer", "block": null, "metadata": { "slideType": "disclaimer", "slideTypeCanon": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "019de52d-0801-727b-b98a-5ed095aeee78", "version": 1, "description": null }, "function": "other", "functionCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-15e1-75bc-99dc-07732380e2ce", "version": 1, "description": null }, "density": "sparse", "densityScore": 10, "componentCount": 2, "textChars": 233, "nDataPoints": 0, "notes": null, "elementsJson": [ "paragraph", "footnote" ], "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 18:08:00.032+00", "seconds": 1.794, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019dd923-5e88-73ef-bd58-2f93704040ab/36", "deck": "/decks/019dd923-5e88-73ef-bd58-2f93704040ab", "deckAnchor": "/decks/019dd923-5e88-73ef-bd58-2f93704040ab#slide-36", "deckJson": "/decks/019dd923-5e88-73ef-bd58-2f93704040ab.json" }, "components": [ { "bbox": { "h": 0.025, "w": 0.87, "x": 0.065, "y": 0.948 }, "kind": "disclaimer", "text": "© 2016 PwC. All rights reserved. PwC refers to the PwC network and/or one or more of its member firms, each of which is a separate legal entity. Please see www.pwc.com/structure for further details.", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:08:00.032+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ad765bfa-569a-46c1-9923-c224c2d8bc48", "parentComponentId": null }, { "bbox": { "h": 0.015, "w": 0.44, "x": 0.065, "y": 0.923 }, "kind": "paragraph", "text": "www.pwc.com/emergingmarketspayments", "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 18:08:00.032+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "80172f85-c8c4-42b7-804b-d24389649ad4", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "locked": true } ], "arcBeats": [ { "from": 1, "to": 4, "label": "Situation & Context", "description": "The deck sets the pace and provides an executive summary, setting the context for the rest of the presentation." }, { "from": 5, "to": 9, "label": "Problem & Complication", "description": "The deck highlights the need for financial inclusion and the challenges in creating an effective e-payment ecosystem." }, { "from": 10, "to": 15, "label": "Solution & Approach", "description": "The deck presents FinTech innovation, customer-centric business models, and alternative payment systems as solutions." }, { "from": 16, "to": 22, "label": "Evidence & Proof", "description": "The deck provides data and case studies to support the solutions presented." } ], "loops": [ { "from": 10, "to": 15, "label": "Golden Circle", "description": "To explain how FinTech innovation promotes inclusion" }, { "from": 16, "to": 22, "label": "Cost Of Inaction", "description": "To highlight the cost of inaction in not adopting instant payments" } ] }