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  "documentTitle": "Decoding Instant Payments: The Emerging Markets’ Story",
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      "text": "4. Improving acceptance infrastructure. The growth of electronic payments depends on an adequate acceptance infrastructure comprising ATMs, agent networks (MNO agents or retail agents) & POS (or Smart POS) terminals.",
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      "text": "10 The Asian Banker research report, December 2015; 11 IDRBT: Technology in banking, 2015; 12 World Bank ATM figures, 2014; 13 Central Bank of Kenya, POS figures, 2016",
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