Flaming, MarkMitha, AiazeHanouch, MichelZetterli, PeterBull, Greta2015-04-022015-04-022015https://hdl.handle.net/10986/21678This paper is organized as follows: section one briefly presents the structure of MFS implementations and in particular the four key roles which must be fulfilled. Section two describes the case study implementations and the partnership arrangements between the key actors. Section three describes the importance of aligning competitive forces, economic motivation and partner roles. Section four presents key lessons related to the four underlying businesses of an MFS implementation, distinguishing between the direct and indirect revenue that can accrue to the core businesses of the partner organizations. It also presents key lessons related to the distribution of this revenue between partners.en-USCC BY-NC-ND 3.0 IGOACCESS TO BANKACCOUNT MANAGEMENTACCRUALATM ACCESSATM CARDB2BBANK ACCOUNTBANK ACCOUNTSBANK CUSTOMERSBANKING CORPORATIONBANKING REGULATIONSBANKING SECTORBANKING SECTORSBANKING SERVICEBANKING SERVICESBANKING SYSTEMBANKSBRANCH INFRASTRUCTUREBRANCH NETWORKBUSINESS CASEBUSINESS MODELBUSINESS MODELSBUSINESS OBJECTIVESBUSINESS RELATIONSHIPSBUSINESS-TO-BUSINESSBUSINESSESCAPABILITYCELL PHONESCENTRAL BANKCLIENT BASECOMMERCIAL BANKCOMMERCIAL BANKSCOMMUNICATION NETWORKCOMMUNICATIONS SERVICESCOMPANYCOMPETITIVE ADVANTAGECONFLICT OF INTERESTCONTACT INFORMATIONCONTRACTUAL ARRANGEMENTSCONTRACTUAL RELATIONSHIPCORE BUSINESSCORE BUSINESSESCORPORATE CLIENTSCORPORATE CUSTOMERSCORPORATIONCORPORATIONSCUSTOMER ACQUISITIONCUSTOMER BASECUSTOMER EXPERIENCECUSTOMER INFORMATIONDEPOSITDEPOSIT ACCOUNTSDEPOSIT MOBILIZATIONDEVELOPING ECONOMIESDEVELOPMENT BANKDEVELOPMENT FINANCEDISBURSEMENTSDISTRIBUTION CHANNELSDISTRIBUTION COMPANYDISTRIBUTION NETWORKDISTRIBUTION NETWORKSE-MONEYECONOMIC STRUCTUREEQUITY CONTRACTSFAIR PRICEFINANCIAL CAPITALFINANCIAL INSTITUTIONSFINANCIAL SERVICEFINANCIAL SERVICE PROVIDERFINANCIAL SERVICE PROVIDERSFINANCIAL SERVICESFINANCIAL STRENGTHFUNCTIONALITYHOLDINGIMPLEMENTATIONSINCOMEINDIVIDUAL ACCOUNTSINDIVIDUAL COMPANIESINDIVIDUALSINNOVATIONINSURANCEINTERNATIONAL DEVELOPMENTINTEROPERABILITYINVESTIGATIONINVESTINGLEVEL PLAYING FIELDLICENSELIMITEDLOAN PORTFOLIOLOAN REPAYMENTSLOCAL BANKLOCAL BUSINESSMAJORITY SHAREHOLDERMANAGERSMARKET CONDITIONSMARKET INSTRUMENTSMARKET SHAREMARKETINGMASS MARKETMENUMERCHANT BANKMICROFINANCEMICROFINANCE INSTITUTIONSMOBILE APPLICATIONMOBILE BANKINGMOBILE COMMUNICATIONMOBILE COMMUNICATIONSMOBILE NETWORKMOBILE NETWORKSMOBILE PHONEMOBILE PHONESMOBILE TRANSACTIONSNATIONAL BANKNETWORKSNON-PERFORMING LOANNONPERFORMING LOANSNPLONLINE PAYMENTSOPERATIONAL RISKSPARTNER BANKPARTNER BANKSPARTNERSHIPPARTNERSHIP AGREEMENTSPAYMENT PROCESSORPAYMENT SERVICEPAYMENT SERVICESPAYMENT TRANSACTIONSPAYMENTS SERVICEPAYMENTS SERVICESPAYROLL SERVICESPHONESPORTFOLIOPRIVATE SECTORPRIVATE SECTOR DEVELOPMENTPRODUCT DEVELOPMENTPROPRIETARYPUBLIC POLICYRAPID EXPANSIONREGULATORREGULATORSREGULATORY APPROACHESREGULATORY AUTHORITIESREGULATORY ENVIRONMENTSREGULATORY FRAMEWORKREGULATORY FRAMEWORKSREGULATORY REGIMESREGULATORY RESTRICTIONSREMITTANCESRESULTRESULTSRETAIL BANKSRETENTIONREVENUE SHARINGREVENUE SOURCESRISK MANAGEMENTRISK SHARINGSAVINGSSERVICE COMPANIESSERVICE PROVIDERSERVICE PROVIDERSSERVICES TO CLIENTSSOCIALLY RESPONSIBLE INVESTORSSTAKEHOLDERSSTATE BANKSTATE BANK OF PAKISTANSUBSIDIARYSUPPLY CHAINTELECOMTELECOMMUNICATIONSTRANSACTIONTRANSACTION SERVICESTRANSACTION VOLUMETRANSACTION VOLUMESUNIONUSERUSERSUSESVALUE CHAINWARRANTSWorking PaperInternational Finance Corporation10.1596/21678