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  "documentTitle": "Decoding Instant Payments Emerging Markets",
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      "text": "The Mexican payments ecosystem is undergoing a radical transformation, pushing towards a cashless society where solutions such as VPA are becoming very relevant.",
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      "text": "Payment functionality: CoDi offers request-to-pay functionalities that support the use of QR codes, near-field communication (NFC), and messages through the Internet for payments.",
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      "text": "Infrastructure: SPEI was developed in-house by BANXICO to handle high- and low-value transactions. It has adopted a hybrid instant settlement system for payments using a multilateral offsetting algorithm.",
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      "text": "Openness: All banks and non-bank financial entities regulated and supervised by BANXICO or other Mexican financial authorities are eligible to participate in SPEI.",
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      "text": "Government involvement: Mexico's government is constantly trying to decrease the levels of informal economy that prevail in the country. BANXICO has been deeply involved with the introduction of instant payment systems.",
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      "text": "Adoption boosters. Addressing: Mexico's new Instant Payments system, DiMo, is expected to leverage the benefits of addressing by allowing people to transfer funds using only cellular phone numbers as an ID for bank accounts.",
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      "text": "The Mexican payments ecosystem is undergoing a radical transformation, pushing towards a cashless society where solutions such as VPA are becoming very relevant. Multi-rail strategies have increased the adoption of new technologies that offer consumers speed, convenience and security to pay anytime, anywhere. — Mauricio Schwartzmann, Country Manager Mastercard México.",
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