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  "documentTitle": "Decoding Instant Payments: The Emerging Markets’ Story",
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      "text": "Implications to key players",
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      "text": "payment terminal or reading a quick response (QR) code. The adoption of these new innovations within emerging markets could help create new revenue channels and reduce overheads, positively impacting bottom lines for companies and governments alike. These unique experiences enable customers and industry players to explore new products and technologies that advance the payment experience in areas such as mobile, security and cloud-based payments, and contribute to the overall growth and development of the country. Use case expansion Regulatory support, advances in technology and accelerating customer adoption of these technologies have opened up new avenues for e-payments. Payment of fees for educational institutions, payment of taxes and fines to the government, payments to merchants and retail institutions and toll and transit payments are among the options which can now be facilitated using a simple mobile app. Growth and acceptance of taxi aggregator apps is based on the ease and convenience of payments offered by these apps. Customers today demand integration of all their payment needs onto a single device without the need to dig out cash or remember card details. Figure 12 highlights that we would require strategic collaborations between payment players and retail institutions to meet consumer demand and create revenue generating streams for banks and payments players.",
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      "text": "Source: PwC Analysis",
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      "text": "Figure 12: Creating an effective e-payment ecosystem",
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