{
  "docId": "019dd923-5ca1-7489-b63a-735f47a4f33f",
  "docSlug": "81492cf0a01adebf",
  "documentTitle": "Decoding Instant Payments Emerging Markets",
  "authorId": "PwC",
  "authorName": "PwC",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.334,
  "pageNumber": 34,
  "pageCount": 37,
  "prevPage": 33,
  "nextPage": 35,
  "slideType": "section_divider",
  "function": "transition",
  "density": "balanced",
  "nDataPoints": 0,
  "notes": null,
  "elementsJson": [
    "photo",
    "paragraph"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b63a-735f47a4f33f/34",
  "deckHref": "/decks/019dd923-5ca1-7489-b63a-735f47a4f33f",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b63a-735f47a4f33f.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b63a-735f47a4f33f#slide-34",
  "components": [
    {
      "bbox": {
        "h": 0.35,
        "w": 1,
        "x": 0,
        "y": 0.08
      },
      "kind": "image",
      "text": null,
      "attrs": null,
      "subkind": "photo",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c72a06bb-335b-4b02-84de-98c16b4527e4",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.35,
        "w": 0.71,
        "x": 0.25,
        "y": 0.63
      },
      "kind": "list",
      "text": "Finding the right fee structure to enable sustainability: It may be argued that free-for-the-user instant payments (like UPI and CoDi) won't be able to maintain themselves over the long term without levying merchant discount rates to pay for their infrastructure.\nOvercoming the lack of awareness regarding instant payments' security: Security concerns loom large in the minds of small merchants and users. If these concerns are not resolved, it may lead to a situation where users may use instant payments only for transactions with high trust and lower expected chances of needing dispute resolution or fraud protection. Although cash has essentially the same problem, it is at least seen as more private. A big part of the population still prefers to use cash to avoid transactions that government authorities could observe.\nReaching places with poor internet connectivity and low digital literacy: It is still challenging to conduct Instant Payments transactions because a significant percentage of the population still lacks access to the internet, smartphones, or digital literacy. Moreover, merchants don't want to integrate new payment solutions without a critical mass of users; consumers don't want to use payment methods that are not universally accepted.\nAside from these challenges, these new payment solutions have opened up a plethora of new opportunities for bad actors to scam people and evade taxes. Since it is now so easy to sell a product or service and get paid instantly, many private individuals and businesses end up making sales and not generating invoices, thus avoiding the payment of taxes. Also, given the transactions' instant nature, it becomes easy for scammers to transfer money from one account to another, spreading the transaction value to many other accounts and making it difficult to track.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "47be200f-6d24-488b-b778-12612356eb14",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.18,
        "x": 0.04,
        "y": 0.63
      },
      "kind": "paragraph",
      "text": "General challenges of instant payments: Instant Payments solutions are growing rapidly, but there are still some challenges that most are facing or are expected to face, especially when compared to cash transactions.",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a10e98a2-65e6-4732-a523-75471b0b3691",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.4,
        "x": 0.04,
        "y": 0.44
      },
      "kind": "title",
      "text": "Section 5 Challenges and conclusion",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f5dc3967-ee89-4502-9662-8a23347d9317",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Section divider",
      "slug": "section-divider",
      "agent": null,
      "layer": "slide",
      "matchId": "4c4ae703-2217-43fc-8f3f-31e4a163f650",
      "evidence": "The slide is a section divider titled 'Section 5 Challenges and conclusion'.",
      "confidence": 0.9
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 37,
      "from": 25,
      "beatId": "83a46ce6-a530-4f11-b2c7-fdc9054cb188",
      "arcName": "Problem-Agitate-Solution",
      "arcSlug": "problem-agitate-solution",
      "beatName": "Impact & Next Steps",
      "beatSlug": "consultants-gambit-impact-next-steps",
      "evidence": "The document offers recommendations for adoption boosters and concludes with limitations and author bios.",
      "position": 3,
      "confidence": 0.8,
      "parentBeatName": "Resolution",
      "parentBeatSlug": "resolution"
    }
  ],
  "loops": [
    {
      "to": 35,
      "from": 34,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "9770ce40-288f-435a-b973-6a2fbad8d33b",
      "evidence": "The document discusses challenges and concludes with limitations.",
      "position": 3,
      "objective": "What are the challenges and limitations of instant payments adoption?",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.6,
      "description": "Quantify what happens if the audience does nothing"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}