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      "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.",
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      "text": "High levels of central banking involvement and participation of banks and other financial institutions could be important determinants of adoption. 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.",
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      "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.",
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      "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. On the other hand, Mexico still lags significantly with only 1% of instant payments as a proportion of GDP.",
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      "text": "Sources: Bank of Thailand, Banco Central do Brasil, Banco de México, National Payments Corporation of India, World Bank, 2023.",
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      "text": "Section 3\nComparison of chosen countries",
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