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contents
1 INTRODUCTION 1
1.1 Introduction and summary 2
2 A2A INTEROPERABILITY AND MOBILE MONEY 3
2.1 What is meant by A2A Interoperability 4
2.2 Why is A2A Interoperability Important 5
3 OPTIONS TO ACHIEVE A2A INTEROPERIBILITY 8
3.1 Identifying Possible Options 9
3.2 Bilateral Agreements 10
3.3 Neutral Processor 12
3.4 Commercial Processor 14
3.5 Partner Bank to National ACH 16
3.6 Direct Connectivity to National ACH 18
3.7 Commercial Processor for Bank Interface 20
4 CHOOSING AN OPTION 22
4.1 Assessment Criteria 23
4.2 Undertaking an Assessment 26
5 CONSIDERATIONS FOR BUILDING THE BUSINESS MODEL 27
5.1 Basic elements of the business model 28
5.2 A2A Value Proposition 29
6 HOW TO MOVE AHEAD 31
6.2 Key Activities 32
7 CONCLUSION 35
8 ABOUT THE AUTHORS 37
1 INTRODUCTION 1
1.1 Introduction and summary 2
2 A2A INTEROPERABILITY AND MOBILE MONEY 3
2.1 What is meant by A2A Interoperability 4
2.2 Why is A2A Interoperability Important 5
3 OPTIONS TO ACHIEVE A2A INTEROPERIBILITY 8
3.1 Identifying Possible Options 9
3.2 Bilateral Agreements 10
3.3 Neutral Processor 12
3.4 Commercial Processor 14
3.5 Partner Bank to National ACH 16
3.6 Direct Connectivity to National ACH 18
3.7 Commercial Processor for Bank Interface 20
4 CHOOSING AN OPTION 22
4.1 Assessment Criteria 23
4.2 Undertaking an Assessment 26
5 CONSIDERATIONS FOR BUILDING THE BUSINESS MODEL 27
5.1 Basic elements of the business model 28
5.2 A2A Value Proposition 29
6 HOW TO MOVE AHEAD 31
6.2 Key Activities 32
7 CONCLUSION 35
8 ABOUT THE AUTHORS 37
