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- W1170190872 abstract "Mobile-Swahili for Money (M-PESA), Kenya's mobile phone-based money transfer service, exploded onto the scene in 2007. In just three years, it has attracted over 9.5 million customers, in a country with only 8.4 million bank accounts. Every month, more than US$320 million flows through M-PESA in person-to-person transfers, and the numbers keep rising. This focus note reviews global regulatory approaches to protecting customer funds in the context of nonbank e-money issuers. Most every regulatory approach includes provisions for 'fund safeguarding', the requirement that nonbanks maintain unencumbered liquid assets equal to the amount of issued electronic value, and other measures to ensure availability of funds when redeemed by customers against electronic value. Some regulatory approaches also include 'fund isolation', the requirement that the funds underlying issued e-money be insulated from institutional risks of claims by issuer creditors, such as claims made in the case of issuer bankruptcy." @default.
- W1170190872 created "2016-06-24" @default.
- W1170190872 creator A5021918603 @default.
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- W1170190872 date "2010-07-01" @default.
- W1170190872 modified "2023-09-27" @default.
- W1170190872 title "Emissores não bancários de moeda eletrônica: Abordagens regulatórias para proteger os recursos dos clientes" @default.
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