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  "documentTitle": "Decoding Instant Payments: The Emerging Markets’ Story",
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  "notes": "The slide contains two columns of text discussing POS terminal challenges and opportunities, alongside a bar chart showing ATM growth in China, India, Indonesia, and Thailand.",
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      "text": "ATM growth in China, India, Indonesia, and Thailand (2012-2014)",
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      "kind": "disclaimer",
      "text": "14 Inc42: DhanYojna Will Give A Fillip To Card Based Payments, 2015\n15 Central Bank of Kenya\n16 Banco Central do Brasil, 2014\n17 Banco Central do Brasil, 2014",
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      "text": "Point-of-sale (POS) transactions have also seen an increase with the rapid adoption of POS terminals by the large base of SMEs and micro-merchants in emerging markets.",
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      "text": "SMEs in emerging markets do not have high investment capital and hence are restricted in the ways they can accept payments from customers.",
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      "kind": "source-note",
      "text": "Source: The Asian Banker research, December 2015",
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      "text": "Figure 6: Emerging markets show explosive growth in ATM infrastructure",
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