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8/14/2019 Payment System Presentation
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A Brief Introduction toPayments & Payment Systems
(in Pakistan)
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What is a Payment System?
Any system(s) that facilitates the transfer of moneybetween a Payer and the Payee
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What is the Core of aPayment System?
Its a Bank!Without a Bank, you cannot legally have aPayment System &/or Payment Network
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Definition of a Payment System
A payment system consists of a set of
instruments, banking procedures and,
typically, interbank funds transfer systemsthat ensure the circulation of money
Glossary definition from the Committee on Payment and Settlement Systems (BIS - Bank of International
Settlements). See glossary at: http://www.bis.org/publ/cpss00b.pdf (March 2003)
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What does it look like?
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What does it look like?
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What does ecosystem look like?
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Extended Ecosystem
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Hierarchy in Payments/Banking
CENTRAL BANK (FINANCIAL REGULATOR)
BANK BANKBANKBANK BANK
PAYMENT SERVICE PROVIDERS (ISO/MSP)
STARTUPS STARTUPS STARTUPSSTARTUPSSTARTUPS
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The
Story
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How Big is theE-Commerce Market
place in Pakistan?
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PAKISTANDATASURVEY.ORG
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Whats coming in 2014?
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Some initiatives worth mentioning
Integration with Major Websites fordirect Account Debit
Micro Payment Gateways
Market Makers ISP/MSP Programs ROPO/OOPO/POPO
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So if you have an idea
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Fl!"#
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100+ Million Mobile Phones 30+ Million Internet Users 1.2 Million Credit Card Holders
20+ Million Debit Card Holders 9+ Million Facebook Users 180+ Million Population 28+ Million Bank Account Holders*
10,000+ RTOB 6,700+ ATMs 33,000+ POS Machines 10+ % Quarterly Growth in
Internet & Mobile Banking 750 (approx.) Online Shops
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Thank you!faisal@faisalkhan.com
mailto:faisal@faisalkhan.comRecommended