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  "documentTitle": "Decoding Instant Payments: The Emerging Markets’ Story",
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  "notes": "The slide provides a narrative overview of financial inclusion trends in emerging markets, specifically citing examples like M-Pesa and India's payments banks.",
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      "text": "Mobile devices reduce the cost to serve customers by 50 to 70%, making it possible to offer financial services to a vast population once considered unprofitable.",
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      "text": "1) Mobile phones as a medium of customer acquisition and customer servicing; 2) Differentiated banking licences; 3) Consolidation of payments and banking infrastructure",
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      "text": "32-39: Various sources including World Bank, PWC, and RBI Committee reports.",
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      "text": "The opportunity for banks and mobile operators is huge. There are more than two billion people in emerging economies who have access to mobiles but not banking.",
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