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Showing 1 to 4 of 4 (0.109 seconds)Spelling suggestions: "subject:"multionational payment system""
| 1 |
Strategy implementation challenges facing Southern African Development Community (SADC) Payment System project: case studyZiqubu, A.B. 05 1900 (has links)
This study discusses the case of modernising the Southern African
Development Community (SADC) regional payments system facilitated by the
SADC Payment System Project. The long-term objective is to have
harmonised cross-border and inter-bank settlement systems to facilitate the
economic activity such as supporting the flow of trade within the SADC region.
The SADC Payment System Project purports to have adopted a strategic
management process to achieve its mandate. The modernisation process is in
line with the Regional Indicative Strategic Development Plan (RISDP). The
aim of the RISDP is to provide strategic direction with respect to various
SADC programmes and activities and to align the strategic objectives and
priorities of SADC with the policies and strategies for achieving its long-term
goals.
The concept of payment, clearing and settlement system is explained to
provide the context within which the national payment system fits in the
economic system and its role towards economic development.
The first objective of the study is to discuss the strategic management
process. The objective of the discussion is to reflect how the strategic
management theoretical constructs were translated into practice.
The second objective of the study is to explore the environmental and country
internal factors that are likely to impact on and delay the fully harmonised
regional cross-border and inter-bank settlement systems.
Although not exhaustive, the identified factors include;
- The structural arrangements of country- specific teams that support the
modernisation initiatives,
- The availability of skills and capacity to harness the implemented
systems within each member country in the SADC region.
iii
- The influence of foreign fund donors, as a result of a possible
duplication of efforts,
- The repair state of power supply and communication networks,
- The supporting legal and regulatory regimes,
- The forms of economic systems,
- The influence and the extent of trade flows with the SADC region, and
- The resilience banking networks in the facilitation of financial
information flows within each member country and externally
(internationally).
The target population of central bank officials who also take an active role in
the modernisation of SADC regional payments systems were requested to
provide feedback on the prepared questionnaire to address the above factors.
The responses provided are summarised in Chapter 5. It was clear from the
responses that the identified factors appeared to pose little challenge for
respective member countries. However, additional comments by respondents
indicated that there is still a lot of groundwork to be covered. There was an
evidence of the need for on-going training in payment systems and to improve
communication networks and power supply within each member country,
especially on the remote country areas/rural areas. Some members also
hinted a warning on developing systems, which would have a potential to
become white elephants if other sectors are not developed in parallel to the
regional payment systems. / Graduate School of Business Leadership / M.B.L.
|
| 2 |
Strategy implementation challenges facing Southern African Development Community (SADC) Payment System project: case studyZiqubu, A.B. 05 1900 (has links)
This study discusses the case of modernising the Southern African
Development Community (SADC) regional payments system facilitated by the
SADC Payment System Project. The long-term objective is to have
harmonised cross-border and inter-bank settlement systems to facilitate the
economic activity such as supporting the flow of trade within the SADC region.
The SADC Payment System Project purports to have adopted a strategic
management process to achieve its mandate. The modernisation process is in
line with the Regional Indicative Strategic Development Plan (RISDP). The
aim of the RISDP is to provide strategic direction with respect to various
SADC programmes and activities and to align the strategic objectives and
priorities of SADC with the policies and strategies for achieving its long-term
goals.
The concept of payment, clearing and settlement system is explained to
provide the context within which the national payment system fits in the
economic system and its role towards economic development.
The first objective of the study is to discuss the strategic management
process. The objective of the discussion is to reflect how the strategic
management theoretical constructs were translated into practice.
The second objective of the study is to explore the environmental and country
internal factors that are likely to impact on and delay the fully harmonised
regional cross-border and inter-bank settlement systems.
Although not exhaustive, the identified factors include;
- The structural arrangements of country- specific teams that support the
modernisation initiatives,
- The availability of skills and capacity to harness the implemented
systems within each member country in the SADC region.
iii
- The influence of foreign fund donors, as a result of a possible
duplication of efforts,
- The repair state of power supply and communication networks,
- The supporting legal and regulatory regimes,
- The forms of economic systems,
- The influence and the extent of trade flows with the SADC region, and
- The resilience banking networks in the facilitation of financial
information flows within each member country and externally
(internationally).
The target population of central bank officials who also take an active role in
the modernisation of SADC regional payments systems were requested to
provide feedback on the prepared questionnaire to address the above factors.
The responses provided are summarised in Chapter 5. It was clear from the
responses that the identified factors appeared to pose little challenge for
respective member countries. However, additional comments by respondents
indicated that there is still a lot of groundwork to be covered. There was an
evidence of the need for on-going training in payment systems and to improve
communication networks and power supply within each member country,
especially on the remote country areas/rural areas. Some members also
hinted a warning on developing systems, which would have a potential to
become white elephants if other sectors are not developed in parallel to the
regional payment systems. / Graduate School of Business Leadership / M.B.L.
|
| 3 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LLD
|
| 4 |
Legal and regulatory aspects of mobile financial servicesPerlman, Leon Joseph 11 1900 (has links)
The thesis deals with the emergence of bank and non-bank entities that provide a range of unique
transaction-based payment services broadly called Mobile Financial Services (MFS) to unbanked,
underserved and underbanked persons via mobile phones.
Models of MFS from Mobile Network Operators (MNOs), banks, combinations of MNOs and banks, and
independent Mobile Financial Services Providers are covered. Provision by non-banks of ‘bank-type’
services via mobile phones has been termed ‘transformational banking’ versus the ‘additive banking’
services from banks. All involve the concept of ‘branchless banking’ whereby ‘cash-in/cash out’ services
are provided through ‘agents.’
Funds for MFS payments may available through a Stored Value Product (SVP), particularly through a
Stored Value Account SVP variant offered by MNOs where value is stored as a redeemable fiat- or mobile
‘airtime’-based Store of Value.
The competitive, legal, technical and regulatory nature of non-bank versus bank MFS models is discussed,
in particular the impact of banking, payments, money laundering, telecommunications, e-commerce and
consumer protection laws. Whether funding mechanisms for SVPs may amount to deposit-taking such that
entities could be engaged in the ‘business of banking’ is discussed. The continued use of ‘deposit’ as the
traditional trigger for the ‘business of banking’ is investigated, alongside whether transaction and paymentcentric
MFS rises to the ‘business of banking.’
An extensive evaluation of ‘money’ based on the Orthodox and Claim School economic theories is
undertaken in relation to SVPs used in MFS, their legal associations and import, and whether they may be
deemed ‘money’ in law.
Consumer protection for MFS and payments generally through current statute, contract, and payment law
and common law condictiones are found to be wanting. Possible regulatory arbitrage in relation to MFS in
South African law is discussed.
The legal and regulatory regimes in the European Union, Kenya and the United States of America are
compared with South Africa. The need for a coordinated payments-specific law that has consumer
protections, enables proportional risk-based licensing of new non-bank providers of MFS, and allows for a
regulator for retail payments is recommended. The use of trust companies and trust accounts is
recommended for protection of user funds.
| vi / Public, Constitutional and International Law / LL. D.
|
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