Point of View Newsletter: AI and Design
Point of View is Digital Disruptions' long-form newsletter where we go deep on a cutting-edge topic in fintech innovation. Here, we discuss what we've learned from designing alongside AI: on user research, ideation, and user-facing outputs.
Innovation in Electronic Payment Adoption
A landscape report discussing 5 key, interconnected innovation ideas to bring electronic payments to small retailers globally. Includes case studies and recommendations for private sector actors and government regulators alike.
User Insights for Interoperable Merchant Payments
Analysis of market sizing, price sensitivities, and merchant acquisition models based on quantitative and qualitative user research for merchant payment interoperability. Also includes recommendations on achieving stakeholder interoperability based on successful examples of the SMS, ATM, and airline sectors.
Assessment of Bank and Non-Bank Agent Models
A detailed landscape assessment of bank and non-bank agents in Mozambique, based on primary user interviews, global case studies and trends, current market dynamics, assessment of existing regulations, and interviews with banks and mobile money operators. Concludes with key recommendations for policymakers and industry actors, as well as findings from a design sprint where breakthrough ideas were tested.
Electronic Payment System 101
A simplified overview of electronic payments, including four-party model, key actors, transaction processing, and transaction economics.
