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  "documentTitle": "Decoding Instant Payments Emerging Markets",
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      "text": "1. Finding the right fee structure to confirm sustainability: Some specialists argue that free-for-the-user instant payments won't be able to maintain themselves over the long term without levying merchant discount rates to pay for its infrastructure.\n2. Overcoming the lack of awareness regarding Instant Payments' security: Security concerns loom large in the minds of small merchants and users.\n3. Reaching places with poor internet connectivity and low digital literacy: It may still be challenging to conduct Instant Payments transactions.",
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      "text": "1. Addressing: The Instant Payments system in a country with low mobile penetration may not employ phone-based aliases for routing/addressing purposes but instead opt for aliases based on national IDs or domain-based aliases (i.e., user@bank).\n2. Openness: The Instant Payments system in a country with low bank account penetration may allow third parties, such as non-banks and fintechs, to participate.\n3. Payment functionality: In a country with an extensive welfare system, the Instant Payments system may allow and incentivize the reception of government aid by instant payments.",
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      "text": "Despite the benefits that instant payments bring to the ecosystem, we also identified a few challenges that most Instant Payments solutions are facing in various countries. These challenges are:",
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      "text": "However, the effectiveness of each Adoption Booster may depend on the alignment between the strategy employed, the mobile penetration, and financial inclusion within the country.",
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      "text": "5 | Decoding Instant Payments: The Emerging Markets' Story",
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