Content

PAYMENT SYSTEM PROVIDERS ENGAGING IN THE AGENT-BASED MODEL

REGULATORY AND SUPERVISORY REQUIRMENTS TO OPERATE AS AGENT OF

COMMERCIAL BANKS

REGULATORY AND SUPERVISORY REQUIRMENTS TO OPERATE AS AGENT OF

OTHER DEPOSIT TAKING INSTITUTIONS

REGULATORY AND SUPERVISORY REQUIRMENTS TO OPERATE AS AGENT OF NON-

BANK PAYMENT SERVICE PROVIDERS

AGENT NETWORK MANAGEMENT: AGENTS OF COMMERCIAL BANKS

AGENT NETWORK MANAGEMENT: AGENTS OF OTHER DEPOSIT TAKING

INSTITUTIONS

AGENT NETWORK MANAGEMENT: AGENTS OF NON-BANK PAYMENT SERVICE

PROVIDERS

FUNCTIONALITY OF SERVICES PROVIDED BY AGENTS OF COMMERCIAL BANKS:

NEW CUSTOMER SIGN-UP

FUNCTIONALITY OF SERVICES PROVIDED BY AGENTS OF OTHER DEPOSIT TAKING

INSTITUTIONS: NEW CUSTOMER SIGN-UP

FUNCTIONALITY OF SERVICES PROVIDED BY AGENTS OF NON-BANK PAYMENT

SERVICE PROVIDERS: NEW CUSTOMER SIGN-UP

FUNCTIONALITY OF OTHER SERVICES PROVIDED BY AGENTS OF COMMERCIAL

BANKS

FUNCTIONALITY OF OTHER SERVICES PROVIDED BY AGENTS OF OTHER DEPOSIT

TAKING INSTITUTIONS

FUNCTIONALITY OF OTHER SERVICES PROVIDED BY AGENTS OF NON-BANK

PAYMENT SERVICE PROVIDERS
Sheet

TABLE IX.1

TABLE IX.2 (part I)

TABLE IX.2 (part II)

TABLE IX.2 (part III)

TABLE IX.3 (part I)

TABLE IX.3 (part II)

TABLE IX.3 (part III)

TABLE IX.4 (part I)

TABLE IX.4 (part II)

TABLE IX.4 (part III)

TABLE IX.5 (part I)

TABLE IX.5 (part II)

TABLE IX.5 (part III)

 TABLE IX.1: PAYMENT SYSTEM PROVIDERS ENGAGING IN THE AGENT-BASED MODEL

If the use of agents is permitted, which of the following payment service

providers can engage:

Other deposit-taking Other non-bank payment

Commercial banks
institutions service providers (PSPs)

# % # % #
Worldwide total (66) 50 76% 31 47% 52

By income
21 High income (21) 14 67% 11 52% 20
21 Upper-middle income (21) 17 81% 12 57% 15
18 Lower-middle income (18) 14 78% 5 28% 12
5 Low income (5) 5 100% 3 60% 5

By region
9 East Asia and Pacific (9) 7 78% 4 44% 8
9 Europe and Central Asia (9) 6 67% 0 0% 7
22 Latin America & Caribbean (11) 11 50% 8 36% 6
5 Middle East & North Africa (5) 4 80% 1 20% 4
3 South Asia (3) 2 67% 1 33% 2
9 Sub-Saharan Africa (9) 8 89% 6 67% 5
11 Euro Area countries (11) 7 64% 6 55% 11
4 Other EU countries (4) 3 75% 3 75% 4
5 Other developed countries (5) 2 40% 2 40% 5

By population size
25 >30 million (25) 22 88% 16 64% 18
24 >5 million, >30 million (24) 17 71% 10 42% 20
17 5 million or less (17) 11 65% 5 29% 14
ED MODEL

wing payment service

Other non-bank payment

service providers (PSPs)

%
79%

95%
71%
67%
100%

89%
78%
27%
80%
67%
56%
100%
100%
100%

72%
83%
82%
 TABLE IX.2 (part I): REGULATORY AND SUPERVISORY REQUIRMENTS TO OPERATE AS AGENT OF COMMERCIAL BANKS

Selected regulatory/supervisory and contractual requirements to operate as agents of commercial banks:

Regulation excludes Supervisor's approval Supervisor's Such notification must Agents can provide a Agents are allowed to Agents are subject to
specific entities from is required to appoint notification is required be provided prior to broader set of financial set their own customer taxes related to the
serving as agents an agent to appoint an agent appointment services fees agent business

# % # % # % # % # % # % #
50 Worldwide total (50) 27 54% 22 44% 25 50% 17 34% 37 74% 12 24% 25

By income
14 High income (14) 3 21% 6 43% 8 57% 9 64% 12 86% 9 64% 8
17 Upper-middle income (17) 11 65% 10 59% 7 41% 5 29% 11 65% 2 12% 7
14 Lower-middle income (14) 9 64% 3 21% 9 64% 3 21% 10 71% 1 7% 7
5 Low income (5) 4 80% 3 60% 1 20% 0 0% 4 80% 0 0% 3

By region
7 East Asia and Pacific (7) 5 71% 3 43% 2 29% 2 29% 5 71% 0 0% 3
6 Europe and Central Asia (6) 4 67% 3 50% 3 50% 1 17% 1 17% 2 33% 4
11 Latin America & Caribbean (11) 6 55% 6 55% 3 27% 3 27% 9 82% 2 18% 2
4 Middle East & North Africa (4) 3 75% 2 50% 3 75% 1 25% 2 50% 0 0% 2
2 South Asia (2) 1 50% 0 0% 2 100% 0 0% 2 100% 0 0% 2
8 Sub-Saharan Africa (8) 5 63% 3 38% 4 50% 2 25% 7 88% 0 0% 4
7 Euro Area countries (7) 0 0% 1 14% 6 86% 5 71% 6 86% 5 71% 5
3 Other EU countries (3) 2 67% 2 67% 1 33% 2 67% 3 100% 2 67% 1
2 Other developed countries (2) 1 50% 2 100% 1 50% 2 100% 2 100% 1 50% 2

By population size
22 >30 million (25) 14 64% 3 14% 12 55% 8 36% 16 73% 2 9% 12
17 >5 million, >30 million (24) 9 53% 11 65% 5 29% 4 24% 16 94% 6 35% 8
16 5 million or less (16) 4 25% 8 50% 8 50% 5 31% 5 31% 4 25% 5

31

11
12
5
3

4
1
8
1
1
6
6
3
2

16
10
5

52

20
15
12
5

8
7
6
4
2
 5
11
4
5

18
20
17
BANKS

Agents are subject to There are restrictions

taxes related to the on the location of
agent business agents

% # %
50% 8 16%

57% 2 14%
41% 4 24%
50% 1 7%
60% 1 20%

43% 4 57%
67% 0 0%
18% 1 9%
50% 0 0%
100% 0 0%
50% 1 13%
71% 1 14%
33% 0 0%
100% 1 50%

55% 5 23%
47% 1 6%
31% 2 13%
 TABLE IX.2 (part II): REGULATORY AND SUPERVISORY REQUIRMENTS TO O

Selected regulatory/supervisory and contractual requirements to operate

Regulation excludes Supervisor's approval Supervisor's
specific entities from is required to appoint notification is required
serving as agents an agent to appoint an agent
# % # % #
Worldwide total (31) 12 39% 14 45% 14

By income
High income (11) 3 27% 5 45% 7
Upper-middle income (12) 6 50% 7 58% 4
Lower-middle income (5) 1 20% 1 20% 3
Low income (3) 2 67% 1 33% 0

By region
East Asia and Pacific (4) 2 50% 3 75% 1
Europe and Central Asia (0) 0 0% 0 0% 0
Latin America & Caribbean (8) 5 63% 5 63% 3
Middle East & North Africa (1) 0 0% 0 0% 0
South Asia (1) 0 0% 0 0% 1
Sub-Saharan Africa (6) 2 33% 1 17% 2
Euro Area countries (6) 0 0% 1 17% 5
Other EU countries (3) 2 67% 2 67% 1
Other developed countries (2) 1 50% 2 100% 1

By population size
>30 million (16) 5 31% 6 38% 8
>5 million, >30 million (10) 7 70% 7 70% 3
5 million or less (5) 0 0% 1 20% 3
ERVISORY REQUIRMENTS TO OPERATE AS AGENT OF OTHER DEPOSIT TAKING INSTITUTIONS

actual requirements to operate as agents of other deposit taking institutions:

Supervisor's Such notification must Agents can provide a Agents are allowed to Agents are subject to There are restrictions
notification is required be provided prior to broader set of set their own taxes related to the on the location of
to appoint an agent appointment financial services customer fees agent business agents
% # % # % # % # % #
45% 11 35% 24 77% 8 26% 15 48% 6

64% 6 55% 10 91% 7 64% 7 64% 1

33% 3 25% 7 58% 1 8% 4 33% 4
60% 2 40% 5 100% 0 0% 3 60% 1
0% 0 0% 2 67% 0 0% 1 33% 0

25% 1 25% 3 75% 0 0% 2 50% 3

0% 0 0% 0 0% 0 0% 0 0% 0
38% 3 38% 6 75% 1 13% 2 25% 1
0% 0 0% 0 0% 0 0% 0 0% 0
100% 0 0% 1 100% 0 0% 1 100% 0
33% 1 17% 4 67% 0 0% 3 50% 1
83% 4 67% 5 83% 4 67% 4 67% 0
33% 1 33% 3 100% 2 67% 1 33% 0
50% 1 50% 2 100% 1 50% 2 100% 1

50% 6 38% 11 69% 1 6% 7 44% 4

30% 2 20% 11 110% 5 50% 6 60% 2
60% 3 60% 2 40% 2 40% 2 40% 0
There are restrictions
on the location of
agents
%
19%

9%
33%
20%
0%

75%
0%
13%
0%
0%
17%
0%
0%
50%

25%
20%
0%
 TABLE IX.2 (part III): REGULATORY AND SUPERVISORY REQUIRMENTS TO OP

Selected regulatory/supervisory and contractual requirements to operate

Regulation excludes Supervisor's approval Supervisor's

specific entities from is required to appoint notification is required
serving as agents an agent to appoint an agent

# % # % #
Worldwide total (52) 14 27% 17 33% 20

By income
High income (20) 0 0% 8 40% 10
Upper-middle income (15) 10 67% 6 40% 4
Lower-middle income (12) 3 25% 3 25% 6
Low income (5) 1 20% 0 0% 0

By region
East Asia and Pacific (8) 3 38% 3 38% 2
Europe and Central Asia (7) 3 43% 3 43% 1
Latin America & Caribbean (6) 4 67% 2 33% 1
Middle East & North Africa (4) 2 50% 0 0% 2
South Asia (2) 0 0% 0 0% 1
Sub-Saharan Africa (5) 1 20% 0 0% 2
Euro Area countries (11) 0 0% 5 45% 6
Other EU countries (4) 1 25% 2 50% 2
Other developed countries (5) 0% 2 40% 2

By population size
>30 million (25) 3 17% 5 28% 8
>5 million, >30 million (24) 6 30% 6 30% 8
5 million or less (17) 5 29% 6 35% 4
RVISORY REQUIRMENTS TO OPERATE AS AGENT OF NON-BANK PAYMENT SERVICE PROVIDERS

actual requirements to operate as agents of non-bank PSPs:

Supervisor's Such notification must Agents can provide a Agents are allowed to Agents are subject to There are restrictions
notification is required be provided prior to broader set of set their own taxes related to the on the location of
to appoint an agent appointment financial services customer fees agent business agents

% # % # % # % # % #
38% 10 19% 23 44% 14 27% 23 44% 4

50% 7 35% 9 45% 10 50% 10 50% 2

27% 2 13% 7 47% 3 20% 8 53% 1
50% 1 8% 6 50% 1 8% 4 33% 1
0% 0 0% 1 20% 0 0% 1 20% 0

25% 2 25% 5 63% 1 13% 1 13% 2

14% 0 0% 1 14% 2 29% 4 57% 0
17% 0 0% 1 17% 1 17% 1 17% 0
50% 0 0% 2 50% 0 0% 2 50% 0
50% 0 0% 1 50% 0 0% 1 50% 0
40% 0 0% 3 60% 0 0% 3 60% 0
55% 4 36% 6 55% 6 55% 7 64% 2
50% 2 50% 3 75% 3 75% 2 50% 0
40% 2 40% 1 20% 1 20% 2 40% 0

44% 5 28% 10 56% 3 17% 8 44% 1

40% 3 15% 8 40% 5 25% 9 45% 0
24% 2 12% 5 29% 6 35% 6 35% 3
There are restrictions
on the location of
agents

%
8%

10%
7%
8%
0%

25%
0%
0%
0%
0%
0%
18%
0%
0%

6%
0%
18%
 TABLE IX.3 (part I): AGENT NETWORK MANAGEMENT: AGENTS OF COMMERCIAL BANKS

Agent network management : Agents of commercial banks

Agent managers do
Multi-tier agent Agent network Agent exclusivity
not require separate Agent exclusivity is
arrangements are managers are arrangements are
authorization to an accepted / used
allowed or not allowed or not allowed or not
engage with each practice in the market
explicitly prohibited explicitly prohibited explicitly prohibited
individual agent

# % # % # % # % # %

Worldwide total (50) 26 52% 27 54% 16 32% 25 50% 17 34%

By income
High income (14) 9 64% 8 57% 6 43% 10 71% 4 29%
Upper-middle income (17) 8 47% 8 47% 4 24% 7 41% 7 41%
Lower-middle income (14) 7 50% 8 57% 4 29% 7 50% 5 36%
Low income (5) 2 40% 3 60% 2 40% 1 20% 1 20%

By region
East Asia and Pacific (7) 3 43% 4 57% 1 14% 4 57% 4 57%
Europe and Central Asia (6) 3 50% 3 50% 2 33% 4 67% 0 0%
Latin America & Caribbean (11) 5 45% 4 36% 2 18% 3 27% 5 45%
Middle East & North Africa (4) 1 25% 2 50% 1 25% 1 25% 2 50%
South Asia (2) 2 100% 2 100% 2 100% 2 100% 1 50%
Sub-Saharan Africa (8) 4 50% 4 50% 2 25% 1 13% 1 13%
Euro Area countries (7) 4 57% 6 86% 5 71% 7 100% 3 43%
Other EU countries (3) 2 67% 1 33% 0 0% 1 33% 1 33%
Other developed countries (2) 2 100% 1 50% 1 50% 1 50% 1 50%

By population size
>30 million (25) 12 55% 12 55% 8 36% 13 59% 9 41%
>5 million, >30 million (24) 9 53% 9 53% 4 24% 6 35% 5 29%
5 million or less (16) 5 31% 6 38% 4 25% 6 38% 3 19%
 TABLE IX.3 (part II): AGENT NETWORK MANAGEMENT: AGENTS OF OTHER DEPOSIT TAKIN

Agent network management : Agents of other deposit-taking institutions

Agent managers do
Multi-tier agent Agent network
not require separate
arrangements are managers are allowed
authorization to
allowed or not or not explicitly
engage with each
explicitly prohibited prohibited
individual agent
# % # % #
Worldwide total (31) 20 65% 18 58% 11

By income
High income (11) 8 73% 7 64% 5
Upper-middle income (12) 5 42% 4 33% 2
Lower-middle income (5) 5 100% 5 100% 3
Low income (3) 2 67% 2 67% 1

By region
East Asia and Pacific (4) 2 50% 2 50% 1
Europe and Central Asia (0) 0 0% 0 0% 0
Latin America & Caribbean (8) 5 63% 4 50% 2
Middle East & North Africa (1) 0 0% 0 0% 0
South Asia (1) 1 100% 1 100% 1
Sub-Saharan Africa (6) 4 67% 4 67% 2
Euro Area countries (6) 4 67% 5 83% 4
Other EU countries (3) 2 67% 1 33% 0
Other developed countries (2) 2 100% 1 50% 1

By population size
>30 million (16) 9 56% 8 50% 6
>5 million, >30 million (10) 9 90% 8 80% 2
5 million or less (5) 2 40% 2 40% 3
NTS OF OTHER DEPOSIT TAKING INSTITUTIONS

her deposit-taking institutions

Agent managers do
Agent exclusivity
not require separate Agent exclusivity is an
arrangements are
authorization to accepted / used
allowed or not
engage with each practice in the market
explicitly prohibited
individual agent
% # % # %
35% 16 52% 10 32%

45% 9 82% 3 27%

17% 4 33% 5 42%
60% 2 40% 1 20%
33% 1 33% 1 33%

25% 2 50% 2 50%

0% 0 0% 0 0%
25% 3 38% 3 38%
0% 0 0% 1 100%
100% 1 100% 0 0%
33% 1 17% 1 17%
67% 6 100% 2 33%
0% 2 67% 1 33%
50% 1 50% 0 0%

38% 9 56% 5 31%

20% 5 50% 4 40%
60% 2 40% 1 20%
 TABLE IX.3 (part III): AGENT NETWORK MANAGEMENT: AGENTS OF NON-BANK PAYMENT SE

Agent network management : Agents of other non-bank payment service p

Agent managers do
Multi-tier agent Agent network
not require separate
arrangements are managers are allowed
authorization to
allowed or not or not explicitly
engage with each
explicitly prohibited prohibited
individual agent

# % # % #
Worldwide total (52) 29 56% 30 58% 15

By income
High income (20) 12 60% 13 65% 9
Upper-middle income (15) 7 47% 8 53% 2
Lower-middle income (12) 7 58% 7 58% 3
Low income (5) 3 60% 2 40% 1

By region
East Asia and Pacific (8) 3 38% 3 38% 1
Europe and Central Asia (7) 2 29% 3 43% 1
Latin America & Caribbean (6) 4 67% 3 50% 1
Middle East & North Africa (4) 2 50% 2 50% 0
South Asia (2) 1 50% 1 50% 1
Sub-Saharan Africa (5) 5 100% 4 80% 2
Euro Area countries (11) 5 45% 7 64% 6
Other EU countries (4) 3 75% 3 75% 0
Other developed countries (5) 4 80% 4 80% 3

By population size
>30 million (25) 11 61% 10 56% 5
>5 million, >30 million (24) 5 25% 12 60% 5
5 million or less (17) 6 43% 8 57% 5
TS OF NON-BANK PAYMENT SERVICE PROVIDERS

her non-bank payment service providers (PSPs)

Agent managers do
Agent exclusivity
not require separate Agent exclusivity is an
arrangements are
authorization to accepted / used
allowed or not
engage with each practice in the market
explicitly prohibited
individual agent

% # % # %
29% 28 54% 19 37%

45% 16 80% 6 30%

13% 7 47% 7 47%
25% 4 33% 3 25%
20% 1 20% 3 60%

13% 4 50% 4 50%

14% 4 57% 2 29%
17% 1 17% 1 17%
0% 0 0% 3 75%
50% 1 50% 1 50%
40% 1 20% 2 40%
55% 10 91% 4 36%
0% 3 75% 1 25%
60% 4 80% 1 20%

28% 9 50% 6 33%

25% 10 50% 7 35%
36% 9 64% 6 43%
 TABLE IX.4 (part I): FUNCTIONALITY OF SERVICES PROVIDED BY AGENTS OF COMMERCIAL BANKS:
NEW CUSTOMER SIGN-UP

New customer sign-up by agents - Agents of commercial banks

Allowed to capture
Allowed to collect
KYC and other Allowed to provide
documents and Can play no role in
documents, and can information on account
facilitate account customer sign-up
open new customer opening process
opening
accounts

# % # % # % # %
Worldwide total (50) 27 54% 13 26% 1 2% 9 18%

By income
High income (14) 10 71% 3 21% 0 0% 1 7%
Upper-middle income (17) 8 47% 4 24% 1 6% 0 0%
Lower-middle income (14) 6 43% 5 36% 0 0% 4 29%
Low income (5) 3 60% 1 20% 0 0% 4 80%

By region
East Asia and Pacific (7) 2 29% 3 43% 0 0% 2 29%
Europe and Central Asia (6) 2 33% 2 33% 0 0% 2 33%
Latin America & Caribbean (11) 4 36% 2 18% 1 9% 4 36%
Middle East & North Africa (4) 4 100% 1 25% 0 0% 0 0%
South Asia (2) 1 50% 1 50% 0 0% 0 0%
Sub-Saharan Africa (8) 4 50% 2 25% 0 0% 2 25%
Euro Area countries (7) 6 86% 1 14% 0 0% 0 0%
Other EU countries (3) 2 67% 1 33% 0 0% 0 0%
Other developed countries (2) 2 100% 0 0% 0 0% 0 0%

By population size
>30 million (25) 11 50% 7 32% 0 0% 4 18%
>5 million, >30 million (24) 11 65% 2 12% 1 6% 3 18%
5 million or less (16) 5 45% 4 36% 0 0% 3 27%
 TABLE IX.4 (part II): FUNCTIONALITY OF SERVICES PROVIDED BY AGENTS OF OTHER DEPOSIT TAK
INSTITUTIONS:
NEW CUSTOMER SIGN-UP

New customer sign-up by agents - Agents of other deposit-taking instituti

Allowed to capture
Allowed to collect Allowed to provide
KYC and other
documents and information on
documents, and can
facilitate account account opening
open new customer
opening process
accounts

# % # % #
Worldwide total (31) 15 48% 8 26% 3

By income
High income (11) 9 82% 2 18% 1
Upper-middle income (12) 2 17% 3 25% 1
Lower-middle income (5) 3 60% 2 40% 1
Low income (3) 1 33% 1 33% 0

By region
East Asia and Pacific (4) 1 25% 2 50% 0
Europe and Central Asia (0) 0 0% 0 0% 0
Latin America & Caribbean (8) 3 38% 2 25% 1
Middle East & North Africa (1) 0 0% 0 0% 1
South Asia (1) 1 100% 0 0% 0
Sub-Saharan Africa (6) 2 33% 1 17% 0
Euro Area countries (6) 5 83% 1 17% 1
Other EU countries (3) 2 67% 1 33% 0
Other developed countries (2) 2 100% 0 0% 0

By population size
>30 million (16) 8 50% 5 31% 1
>5 million, >30 million (10) 6 60% 3 30% 2
5 million or less (5) 2 40% 0 0% 0
GENTS OF OTHER DEPOSIT TAKING

of other deposit-taking institutions

Allowed to provide
information on Can play no role in
account opening customer sign-up
process

% # %
10% 5 16%

9% 0 0%
8% 3 25%
20% 2 40%
0% 0 0%

0% 1 25%
0% 1 100%
13% 1 13%
100% 0 0%
0% 0 0%
0% 2 33%
17% 0 0%
0% 0 0%
0% 0 0%

6% 2 13%
20% 0 0%
0% 3 60%
 TABLE IX.4 (part III): FUNCTIONALITY OF SERVICES PROVIDED BY AGENTS OF OTHER DEPOSIT TA
INSTITUTIONS: NEW CUSTOMER SIGN-UP

New customer sign-up by agents - Agents of non-bank PSPs

Allowed to capture
Allowed to collect Allowed to provide
KYC and other
documents and information on
documents, and can
facilitate account account opening
open new customer
opening process
accounts

# % # % #
Worldwide total (52) 29 56% 12 23% 2

By income
High income (20) 14 70% 3 15% 1
Upper-middle income (15) 7 47% 5 33% 1
Lower-middle income (12) 5 42% 4 33% 0
Low income (5) 3 60% 0 0% 0

By region
East Asia and Pacific (8) 3 38% 2 25% 0
Europe and Central Asia (7) 3 43% 3 43% 0
Latin America & Caribbean (6) 3 50% 1 17% 1
Middle East & North Africa (4) 2 50% 1 25% 0
South Asia (2) 2 100% 0 0% 0
Sub-Saharan Africa (5) 3 60% 1 20% 0
Euro Area countries (11) 7 64% 1 9% 1
Other EU countries (4) 2 50% 1 25% 0
Other developed countries (5) 2 40% 1 20% 0

By population size
>30 million (25) 10 56% 6 33% 0
>5 million, >30 million (24) 8 40% 4 20% 1
5 million or less (17) 10 71% 2 14% 1
GENTS OF OTHER DEPOSIT TAKING
N-UP

of non-bank PSPs

Allowed to provide
information on Can play no role in
account opening customer sign-up
process

% # %
4% 8 15%

5% 1 5%
7% 4 27%
0% 3 25%
0% 0 0%

0% 2 25%
0% 1 14%
17% 2 33%
0% 0 0%
0% 0 0%
0% 2 40%
9% 1 9%
0% 0 0%
0% 0 0%

0% 2 11%
5% 2 10%
7% 4 29%
 TABLE IX.5 (part I): FUNCTIONALITY OF OTHER SERVICES PROVIDED BY AGENTS OF COMMERCIAL BANKS

Besides customer sign-up, which of the following payment services are agents of commercial banks allowed to offer?

Balance inquiries and banks statements Loan repayment Cash-in/ deposits Cash-out / withdrawals P2P domestic transfer

To customers To customers To customers To customers To customers

To customers To non- To customers To non- To customers To non- To customers To non- To customers To non-
of other of other of other of other of other
of its principals customers of its principals customers of its principals customers of its principals customers of its principals customers
principals principals principals principals principals

# % # % # % # % # % # % # % # % # % # % # % # % # % # % # %
Worldwide total (61) 33 54% 10 16% 0 0% 40 66% 15 25% 0 0% 43 70% 18 30% 11 18% 43 70% 18 30% 10 16% 37 61% 23 38% 15 25%

By income
High income (20) 10 50% 2 10% 0 0% 10 50% 4 20% 0 0% 13 65% 6 30% 4 20% 13 65% 6 30% 4 20% 11 55% 8 40% 6 30%
Upper-middle income (20) 9 45% 2 10% 0 0% 14 70% 4 20% 0 0% 13 65% 4 20% 2 10% 13 65% 4 20% 0 0% 12 60% 7 35% 2 10%
Lower-middle income (17) 9 53% 4 24% 0 0% 11 65% 5 29% 0 0% 12 71% 6 35% 3 18% 12 71% 6 35% 4 24% 10 59% 5 29% 4 24%
Low income (5) 5 100% 2 40% 0 0% 5 100% 2 40% 0 0% 5 100% 2 40% 2 40% 5 100% 2 40% 2 40% 4 80% 3 60% 3 60%

By region
East Asia and Pacific (9) 4 44% 2 22% 0 0% 6 67% 2 22% 0 0% 5 56% 2 22% 3 33% 7 78% 3 33% 2 22% 6 67% 4 44% 3 33%
Europe and Central Asia (7) 5 71% 1 14% 0 0% 3 43% 2 29% 0 0% 4 57% 1 14% 0 0% 2 29% 0 0% 0 0% 2 29% 0 0% 0 0%
Latin America & Caribbean (10) 5 50% 1 10% 0 0% 10 100% 4 40% 0 0% 10 100% 5 50% 0 0% 10 100% 5 50% 0 0% 8 80% 5 50% 0 0%
Middle East & North Africa (5) 3 60% 0% 0 0% 3 60% 0 0% 0 0% 4 80% 1 20% 0 0% 4 80% 1 20% 0 0% 3 60% 2 40% 2 40%
South Asia (2) 1 50% 0% 0 0% 2 100% 0 0% 0 0% 2 100% 0 0% 0 0% 2 100% 0 0% 0 0% 1 50% 0 0% 0 0%
Sub-Saharan Africa (8) 7 88% 4 50% 0 0% 7 88% 4 50% 0 0% 7 88% 4 50% 0 0% 7 88% 4 50% 5 63% 6 75% 4 50% 4 50%
Euro Area countries (10) 5 50% 1 10% 0 0% 5 50% 1 10% 0 0% 6 60% 2 20% 1 10% 6 60% 2 20% 1 10% 6 60% 3 30% 1 10%
Other EU countries (4) 1 25% 1 25% 0 0% 2 50% 2 50% 0 0% 3 75% 3 75% 3 75% 3 75% 3 75% 3 75% 3 75% 4 100% 3 75%
Other developed countries (5) 2 40% 0% 0 0% 2 40% 0 0% 0 0% 2 40% 0 0% 4 80% 2 40% 0 0% 0 0% 2 40% 2 40% 2 40%

By population size
>30 million (22) 13 59% 5 23% 0 0% 17 77% 5 23% 0 0% 18 82% 8 36% 7 32% 19 86% 9 41% 6 27% 16 73% 11 50% 9 41%
>5 million, >30 million (24) 12 50% 4 17% 0 0% 16 67% 9 38% 0 0% 17 71% 9 38% 0 0% 17 71% 9 38% 4 17% 14 58% 10 42% 6 25%
5 million or less (15) 8 53% 1 7% 0 0% 7 47% 1 7% 0 0% 8 53% 1 7% 4 27% 7 47% 0 0% 0 0% 7 47% 2 13% 0 0%

Initiate international remittance transaction Disburse international remittances transaction Bill payment Public salary payment Other government disbursement Government collections

To customers To customers To customers To customers To customers

To customers To non- To customers To non- To customers To non- To customers To non- To customers To non- To customers of To customers of To non-
of other of other of other of other of other
of its principals customers of its principals customers of its principals customers of its principals customers of its principals customers its principals other principals customers
principals principals principals principals principals

# % # % # % # % # % # % # % # % # % # % # % # % # % # % # % # % # % #
Worldwide total (61) 26 43% 13 21% 15 25% 32 52% 17 28% 16 26% 46 75% 30 49% 24 39% 25 41% 11 18% 8 13% 27 44% 13 21% 10 16% 28 46% 15 25% 15

By income
High income (20) 11 55% 5 25% 8 40% 11 55% 7 35% 8 40% 13 65% 9 45% 9 45% 6 30% 3 15% 3 15% 6 30% 3 15% 3 15% 7 35% 3 15% 4
Upper-middle income (20) 7 35% 5 25% 2 10% 8 40% 4 20% 2 10% 15 75% 10 50% 6 30% 6 30% 2 10% 0 0% 8 40% 3 15% 1 5% 12 60% 6 30% 5
Lower-middle income (17) 5 29% 1 6% 4 24% 10 59% 5 29% 5 29% 13 76% 9 53% 7 41% 9 53% 5 29% 4 24% 9 53% 6 35% 5 29% 7 41% 5 29% 5
Low income (5) 3 60% 2 40% 1 20% 3 60% 1 20% 1 20% 5 100% 2 40% 2 40% 4 80% 1 20% 1 20% 4 80% 1 20% 1 20% 2 40% 1 20% 1

By region
East Asia and Pacific (9) 2 22% 0 0% 2 22% 3 33% 2 22% 2 22% 7 78% 4 44% 4 44% 3 33% 2 22% 2 22% 4 44% 2 22% 2 22% 6 67% 3 33% 3
Europe and Central Asia (7) 5 71% 3 43% 2 29% 4 57% 2 29% 2 29% 5 71% 4 57% 4 57% 1 14% 0 0% 0 0% 1 14% 0 0% 0 0% 4 57% 2 29% 3
Latin America & Caribbean (10) 2 20% 1 10% 0 0% 5 50% 2 20% 0 0% 10 100% 7 70% 1 10% 3 30% 1 10% 0 0% 5 50% 2 20% 0 0% 6 60% 3 30% 1
Middle East & North Africa (5) 3 60% 3 60% 1 20% 4 80% 2 40% 2 40% 4 80% 3 60% 2 40% 4 80% 2 40% 0 0% 4 80% 3 60% 2 40% 3 60% 2 40% 2
South Asia (2) 0 0% 0 0% 0 0% 2 100% 0 0% 0 0% 2 100% 1 50% 1 50% 2 100% 0 0% 0 0% 1 50% 0 0% 0 0% 0 0% 0 0% 0
Sub-Saharan Africa (8) 4 50% 2 25% 2 25% 4 50% 2 25% 3 38% 7 88% 4 50% 4 50% 6 75% 3 38% 3 38% 6 75% 3 38% 3 38% 2 25% 2 25% 2
Euro Area countries (10) 6 60% 3 30% 3 30% 6 60% 3 30% 3 30% 6 60% 3 30% 3 30% 4 40% 1 10% 1 10% 4 40% 1 10% 1 10% 4 40% 1 10% 1
Other EU countries (4) 3 75% 0 0% 3 75% 3 75% 3 75% 3 75% 3 75% 3 75% 3 75% 1 25% 1 25% 1 25% 1 25% 1 25% 1 25% 1 25% 1 25% 1
Other developed countries (5) 1 20% 1 20% 2 40% 1 20% 1 20% 2 40% 2 40% 1 20% 2 40% 1 20% 1 20% 1 20% 1 20% 1 20% 1 20% 2 40% 1 20% 2

By population size
>30 million (22) 11 50% 6 27% 7 32% 14 64% 8 36% 8 36% 20 91% 14 64% 13 59% 13 59% 7 32% 6 27% 14 64% 9 41% 9 41% 13 59% 9 41% 10
>5 million, >30 million (24) 9 38% 4 17% 5 21% 11 46% 6 25% 5 21% 17 71% 11 46% 7 29% 8 33% 4 17% 2 8% 8 33% 3 13% 1 4% 8 33% 4 17% 3
5 million or less (15) 6 40% 3 20% 3 20% 7 47% 3 20% 3 20% 9 60% 5 33% 4 27% 4 27% 0 0% 0 0% 5 33% 1 7% 0 0% 7 47% 2 13% 2
Government collections

To non-
customers

%
25%

20%
25%
29%
20%

33%
43%
10%
40%
0%
25%
10%
25%
40%

45%
13%
13%
 Besides customer sign-up, which of the following payment services are a
Balance inquiries and banks statements
To customers of its To customers of other
To non-customers
principals principals
# % # % #
Worldwide total (61) 17 28% 7 11% 0

By income
High income (20) 6 30% 1 5% 0
Upper-middle income (20) 5 25% 2 10% 0
Lower-middle income (17) 3 18% 2 12% 0
Low income (5) 3 60% 2 40% 0

By region
East Asia and Pacific (9) 2 22% 1 11% 0
Europe and Central Asia (7) 0 0% 0 0% 0
Latin America & Caribbean (10) 3 30% 1 10% 0
Middle East & North Africa (5) 1 20% 0 0% 0
South Asia (2) 0 0% 0 0% 0
Sub-Saharan Africa (8) 5 63% 4 50% 0
Euro Area countries (10) 3 30% 0 0% 0
Other EU countries (4) 1 25% 1 25% 0
Other developed countries (5) 2 40% 0 0% 0

By population size
>30 million (22) 9 41% 4 18% 0
>5 million, >30 million (24) 6 25% 3 13% 0
5 million or less (15) 2 13% 0 0% 0

Initiate international remittance transaction

To customers of its To customers of other
To non-customers
principals principals
# % # % #
Worldwide total (61) 14 23% 10 16% 11

By income
High income (20) 8 40% 5 25% 7
Upper-middle income (20) 3 15% 2 10% 1
Lower-middle income (17) 2 12% 2 12% 2
Low income (5) 1 20% 1 20% 1

By region
East Asia and Pacific (9) 1 11% 1 11% 1
Europe and Central Asia (7) 0 0% 0 0% 0
Latin America & Caribbean (10) 2 20% 1 10% 0
Middle East & North Africa (5) 1 20% 1 20% 1
South Asia (2) 0 0% 0 0% 0
Sub-Saharan Africa (8) 2 25% 2 25% 2
Euro Area countries (10) 4 40% 1 10% 2
Other EU countries (4) 3 75% 3 75% 3
Other developed countries (5) 1 20% 1 20% 2

By population size
>30 million (22) 7 32% 5 23% 6
>5 million, >30 million (24) 5 21% 5 21% 5
5 million or less (15) 2 13% 0 0% 0
 TABLE IX.5 (part II): FUNCTIONALITY OF OTHER SERVICES PROVIDED BY AGENTS OF OTHE

llowing payment services are agents of other deposit-taking institutions allowed to offer?
atements Loan repayment Cash-in/ deposits
To customers of its To customers of other To customers of its To customers of other
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
0% 24 39% 10 16% 0 0% 25 41% 13

0% 7 35% 2 10% 0 0% 9 45% 4

0% 9 45% 3 15% 0 0% 8 40% 4
0% 5 29% 3 18% 0 0% 5 29% 3
0% 3 60% 2 40% 0 0% 3 60% 2

0% 4 44% 2 22% 0 0% 3 33% 2

0% 0 0% 0 0% 0 0% 0 0% 0
0% 6 60% 2 20% 0 0% 6 60% 3
0% 1 20% 0 0% 0 0% 1 20% 0
0% 1 50% 0 0% 0 0% 1 50% 0
0% 5 63% 4 50% 0 0% 5 63% 4
0% 3 30% 0 0% 0 0% 4 40% 1
0% 2 50% 2 50% 0 0% 3 75% 3
0% 2 40% 0 0% 0 0% 2 40% 0

0% 13 59% 0 0% 0 0% 13 59% 7
0% 9 38% 5 21% 0 0% 10 42% 6
0% 2 13% 5 33% 0 0% 2 13% 0

ransaction Disburse international remittances transaction Bill payment

To customers of its To customers of other To customers of its To customers of other
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
18% 17 28% 11 18% 12 20% 24 39% 16

35% 8 40% 5 25% 7 35% 9 45% 5

5% 4 20% 3 15% 1 5% 7 35% 5
12% 4 24% 2 12% 3 18% 5 29% 4
20% 1 20% 1 20% 1 20% 3 60% 2
11% 1 11% 1 11% 1 11% 3 33% 2
0% 0 0% 0 0% 0 0% 0 0% 0
0% 4 40% 2 20% 0 0% 6 60% 4
20% 1 20% 1 20% 2 40% 0 0% 0
0% 1 50% 0 0% 0 0% 1 50% 1
25% 2 25% 2 25% 2 25% 5 63% 4
20% 4 40% 1 10% 2 20% 4 40% 1
75% 3 75% 3 75% 3 75% 3 75% 3
40% 1 20% 1 20% 2 40% 2 40% 1

27% 9 41% 6 27% 7 32% 12 55% 9

21% 6 25% 5 21% 5 21% 10 42% 7
0% 2 13% 0 0% 0 0% 2 13% 0
BY AGENTS OF OTHER DEPOSIT TAKING INSTITUTIONS

Cash-in/ deposits Cash-out / withdrawals P

To customers of other To customers of its To customers of other To customers of its
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
21% 11 18% 25 41% 13 21% 9 15% 23

20% 4 20% 9 45% 4 20% 4 20% 9

20% 2 10% 8 40% 4 20% 0 0% 7
18% 3 18% 5 29% 3 18% 3 18% 5
40% 2 40% 3 60% 2 40% 2 40% 2

22% 3 33% 3 33% 2 22% 1 11% 2

0% 0 0% 0 0% 0 0% 0 0% 0
30% 0 0% 6 60% 3 30% 0 0% 6
0% 0 0% 1 20% 0 0% 0 0% 1
0% 0 0% 1 50% 0 0% 0 0% 1
50% 4 50% 5 63% 4 50% 4 50% 4
10% 1 10% 4 40% 1 10% 1 10% 4
75% 3 75% 3 75% 3 75% 3 75% 3
0% 0 0% 2 40% 0 0% 0 0% 2

32% 7 32% 13 59% 7 32% 5 23% 12

25% 4 17% 10 42% 6 25% 4 17% 9
0% 0 0% 2 13% 0 0% 0 0% 2

Bill payment Public salary payment Other

To customers of other To customers of its To customers of other To customers of its
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
26% 17 28% 14 23% 8 13% 7 11% 17

25% 7 35% 5 25% 3 15% 3 15% 5

25% 3 15% 3 15% 1 5% 0 0% 5
24% 5 29% 4 24% 3 18% 3 18% 5
40% 2 40% 2 40% 1 20% 1 20% 2
22% 2 22% 1 11% 1 11% 1 11% 2
0% 0 0% 0 0% 0 0% 0 0% 0
40% 2 20% 3 30% 1 10% 0 0% 4
0% 1 20% 0 0% 0 0% 0 0% 1
50% 1 50% 1 50% 0 0% 0 0% 1
50% 4 50% 4 50% 3 38% 3 38% 4
10% 2 20% 3 30% 0 0% 1 10% 3
75% 3 75% 1 25% 1 25% 1 25% 1
20% 2 40% 1 20% 2 40% 1 20% 1

41% 11 50% 7 32% 4 18% 5 23% 10

29% 6 25% 5 21% 4 17% 2 8% 5
0% 0 0% 2 13% 0 0% 0 0% 2
 P2P domestic transfer
To customers of its To customers of other
To non-customers
principals principals
% # % # %
38% 16 26% 12 20%

45% 6 30% 6 30%

35% 5 25% 1 5%
29% 3 18% 3 18%
40% 2 40% 2 40%

22% 2 22% 1 11%

0% 0 0% 0 0%
60% 3 30% 0 0%
20% 1 20% 1 20%
50% 0 0% 0 0%
50% 4 50% 4 50%
40% 1 10% 1 10%
75% 3 75% 3 75%
40% 2 40% 2 40%

55% 9 41% 7 32%

38% 7 29% 5 21%
13% 0 0% 0 0%

Other government disbursement Government collections

To customers of its To customers of other To customers of its To customers of other
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
28% 8 13% 9 15% 16 26% 9 15% 11

25% 2 10% 3 15% 6 30% 2 10% 4

25% 2 10% 1 5% 7 35% 4 20% 3
29% 3 18% 4 24% 2 12% 2 12% 3
40% 1 20% 1 20% 1 20% 1 20% 1
22% 1 11% 1 11% 3 33% 2 22% 2
0% 0 0% 0 0% 0 0% 0 0% 0
40% 1 10% 0 0% 4 40% 2 20% 1
20% 1 20% 2 40% 1 20% 1 20% 2
50% 0 0% 0 0% 0 0% 0 0% 0
50% 3 38% 3 38% 2 25% 2 25% 2
30% 0 0% 1 10% 0 0% 0 0% 1
25% 1 25% 1 25% 1 25% 1 25% 1
20% 1 20% 1 20% 2 40% 1 20% 2

45% 6 27% 8 36% 10 45% 7 32% 9

21% 2 8% 1 4% 4 17% 2 8% 2
13% 0 0% 0 0% 2 13% 0 0% 0
s

To non-customers

%
18%

20%
15%
18%
20%
22%
0%
10%
40%
0%
25%
10%
25%
40%

41%
8%
0%
 Besides customer sign-up, which of the following payment services are a
Balance inquiries and banks statements
To customers of its To customers of other
To non-customers
principals principals
# % # % #
Worldwide total (61) 10 16% 7 11% 2

By income
High income (20) 2 10% 5 25% 1
Upper-middle income (20) 5 25% 1 5% 0
Lower-middle income (17) 2 12% 1 6% 1
Low income (5) 1 20% 0 0% 0

By region
East Asia and Pacific (9) 2 22% 2 22% 1
Europe and Central Asia (7) 2 29% 0 0% 0
Latin America & Caribbean (10) 1 10% 0 0% 0
Middle East & North Africa (5) 1 20% 0 0% 0
South Asia (2) 0 0% 0 0% 0
Sub-Saharan Africa (8) 1 13% 0 0% 0
Euro Area countries (10) 3 30% 3 30% 1
Other EU countries (4) 2 50% 1 25% 0
Other developed countries (5) 2 40% 1 20% 0

By population size
>30 million (22) 6 27% 4 18% 0
>5 million, >30 million (24) 5 21% 1 4% 0
5 million or less (15) 3 20% 2 13% 2

Initiate international remittance transaction

To customers of its To customers of other
To non-customers
principals principals
# % # % #
Worldwide total (61) 28 46% 11 18% 15

By income
High income (20) 16 80% 6 30% 8
Upper-middle income (20) 7 35% 2 10% 3
Lower-middle income (17) 4 24% 2 12% 3
Low income (5) 1 20% 1 20% 1

By region
East Asia and Pacific (9) 3 33% 2 22% 2
Europe and Central Asia (7) 6 86% 1 14% 3
Latin America & Caribbean (10) 1 10% 0 0% 0
Middle East & North Africa (5) 1 20% 0 0% 0
South Asia (2) 0 0% 0 0% 0
Sub-Saharan Africa (8) 1 13% 1 13% 1
Euro Area countries (10) 9 90% 3 30% 4
Other EU countries (4) 3 75% 3 75% 3
Other developed countries (5) 4 80% 3 60% 2

By population size
>30 million (22) 9 41% 6 27% 6
>5 million, >30 million (24) 10 42% 5 21% 5
5 million or less (15) 9 60% 2 13% 4
 TABLE IX.5 (part iII): FUNCTIONALITY OF OTHER SERVICES PROVIDED BY AGENTS OF NON-BA

llowing payment services are agents of non-bank PSPs allowed to offer?

atements Loan repayment Cash-in/ deposits
To customers of its To customers of other To customers of its To customers of other
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
3% 16 26% 10 16% 1 2% 32 52% 9

5% 5 25% 5 25% 0 0% 12 60% 2

0% 7 35% 4 20% 0 0% 10 50% 4
6% 3 18% 1 6% 1 6% 8 47% 3
0% 1 20% 0 0% 0 0% 2 40% 0

11% 3 33% 3 33% 1 11% 4 44% 0

0% 2 29% 1 14% 0 0% 5 71% 0
0% 2 20% 0 0% 0 0% 4 40% 1
0% 1 20% 0 0% 0 0% 3 60% 2
0% 1 50% 0 0% 0 0% 1 50% 0
0% 1 13% 0 0% 0 0% 2 25% 0
10% 2 20% 4 40% 0 0% 8 80% 1
0% 3 75% 3 75% 0 0% 3 75% 3
0% 1 20% 1 20% 0 0% 2 40% 2

0% 9 41% 6 27% 0 0% 11 50% 8

0% 6 25% 4 17% 0 0% 13 54% 5
13% 1 7% 0 0% 1 7% 8 53% 1

ransaction Disburse international remittances transaction Bill payment

To customers of its To customers of other To customers of its To customers of other
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
25% 28 46% 15 25% 16 26% 31 51% 18

40% 13 65% 8 40% 8 40% 13 65% 8

15% 8 40% 3 15% 3 15% 10 50% 7
18% 6 35% 3 18% 4 24% 6 35% 3
20% 1 20% 1 20% 1 20% 2 40% 0

22% 3 33% 2 22% 2 22% 4 44% 3

43% 6 86% 1 14% 3 43% 6 86% 2
0% 4 40% 1 10% 0 0% 3 30% 1
0% 1 20% 1 20% 1 20% 2 40% 2
0% 1 50% 0 0% 0 0% 1 50% 1
13% 1 13% 1 13% 1 13% 2 25% 0
40% 7 70% 3 30% 4 40% 7 70% 3
75% 3 75% 3 75% 3 75% 3 75% 3
40% 3 60% 3 60% 2 40% 3 60% 3

27% 11 50% 8 36% 7 32% 12 55% 11

21% 9 38% 5 21% 5 21% 12 50% 7
27% 8 53% 2 13% 4 27% 7 47% 0
BY AGENTS OF NON-BANK PAYMENT SYSTEM PROVIDERS

Cash-in/ deposits Cash-out / withdrawals P

To customers of other To customers of its To customers of other To customers of its
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
15% 8 13% 34 56% 15 25% 8 13% 34

10% 4 20% 13 65% 7 35% 4 20% 15

20% 1 5% 11 55% 5 25% 1 5% 10
18% 3 18% 8 47% 3 18% 2 12% 8
0% 0 0% 2 40% 0 0% 1 20% 1

0% 2 22% 5 56% 4 44% 2 22% 5

0% 0 0% 6 86% 0 0% 0 0% 5
10% 0 0% 4 40% 1 10% 0 0% 5
40% 1 20% 3 60% 2 40% 0 0% 2
0% 0 0% 1 50% 0 0% 0 0% 1
0% 0 0% 2 25% 0 0% 1 13% 1
10% 1 10% 8 80% 3 30% 1 10% 8
75% 3 75% 3 75% 3 75% 3 75% 3
40% 1 20% 2 40% 2 40% 1 20% 4

36% 4 18% 12 55% 9 41% 3 14% 13

21% 3 13% 13 54% 5 21% 4 17% 13
7% 1 7% 9 60% 1 7% 1 7% 8

Bill payment Public salary payment Other

To customers of other To customers of its To customers of other To customers of its
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
30% 18 30% 16 26% 8 13% 6 10% 16

40% 7 35% 8 40% 6 30% 4 20% 7

35% 6 30% 2 10% 1 5% 0 0% 3
18% 5 29% 4 24% 1 6% 2 12% 5
0% 0 0% 2 40% 0 0% 0 0% 1

33% 3 33% 1 11% 1 11% 2 22% 1

29% 4 57% 2 29% 0 0% 0 0% 2
10% 1 10% 0 0% 0 0% 0 0% 2
40% 1 20% 2 40% 1 20% 0 0% 2
50% 1 50% 1 50% 0 0% 0 0% 1
0% 0 0% 2 25% 0 0% 0 0% 1
30% 3 30% 4 40% 2 20% 1 10% 4
75% 3 75% 1 25% 1 25% 1 25% 1
60% 2 40% 3 60% 3 60% 2 40% 2

50% 10 45% 8 36% 6 27% 4 18% 7

29% 5 21% 4 17% 2 8% 1 4% 5
0% 3 20% 4 27% 0 0% 1 7% 4
 P2P domestic transfer
To customers of its To customers of other
To non-customers
principals principals
% # % # %
56% 16 26% 12 20%

75% 8 40% 6 30%

50% 5 25% 3 15%
47% 3 18% 3 18%
20% 0 0% 0 0%

56% 4 44% 3 33%

71% 0 0% 1 14%
50% 1 10% 0 0%
40% 2 40% 1 20%
50% 0 0% 0 0%
13% 0 0% 0 0%
80% 3 30% 2 20%
75% 3 75% 3 75%
80% 3 60% 2 40%

59% 11 50% 7 32%

54% 4 17% 4 17%
53% 1 7% 1 7%

Other government disbursement Government collections

To customers of its To customers of other To customers of its To customers of other
To non-customers To non-customers
principals principals principals principals
% # % # % # % # % #
26% 8 13% 4 7% 19 31% 14 23% 13

35% 5 25% 3 15% 7 35% 5 25% 3

15% 2 10% 0 0% 8 40% 6 30% 6
29% 1 6% 1 6% 3 18% 3 18% 4
20% 0 0% 0 0% 1 20% 0 0% 0

11% 1 11% 2 22% 3 33% 3 33% 3

29% 0 0% 0 0% 4 57% 2 29% 3
20% 0 0% 0 0% 1 10% 1 10% 1
40% 2 40% 1 20% 2 40% 2 40% 2
50% 0 0% 0 0% 0 0% 0 0% 0
13% 0 0% 0 0% 1 13% 0 0% 0
40% 2 20% 1 10% 4 40% 2 20% 1
25% 1 25% 1 25% 2 50% 2 50% 2
40% 2 40% 1 20% 2 40% 2 40% 1

32% 6 27% 4 18% 9 41% 9 41% 7

21% 2 8% 1 4% 5 21% 4 17% 3
27% 0 0% 1 7% 5 33% 1 7% 3
s

To non-customers

%
21%

15%
30%
24%
0%

33%
43%
10%
40%
0%
0%
10%
50%
20%

32%
13%
20%