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  "documentTitle": "Decoding Instant Payments Emerging Markets",
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  "notes": "The slide uses a metaphor-based explanation to simplify complex financial infrastructure concepts.",
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      "text": "It's important to note that the availability and implementation of instant clearing and settlements can vary across different payment systems, countries, and financial institutions.",
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      "text": "1. A clearing process on a transaction-by-transaction basis that enables payments to be credited to the payees' accounts in real time. 2. The speed at which the payment message can travel through the rails, reach the destination, get processed, and the instructions within it get executed.",
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      "text": "For example, once the message arrives at the recipient's bank, they'll validate the instructions and act on the received payment messages, including rejecting invalid ones. Then, the acquiring bank will deposit the payment into the recipient's account.",
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      "text": "Now, for the operator in the information booth at the subway station to give you a proper route and information, they need to access their system to know the trains' schedule, delays, and destinations. That system can be considered the payment switches in the payment ecosystem.",
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      "text": "10 | Decoding Instant Payments: The Emerging Markets' Story",
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