ITU-T Focus Group Digital Financial Services Consumer Experience and Protection
Foreword
Table of Contents
I Commonly identified Consumer Protection themes for Digital Financial Services
Executive Summary
1 Introduction
2 Methodology
3 Key themes in Consumer Protection for Digital Financial Services
3.1 Provision of Information and Transparency
3.2 Dispute Resolution
3.3 Fraud Prevention
3.4 Data Protection and Privacy
Bibliography
II QoS and QoE Aspects of Digital Financial Services
Executive Summary
1 Introduction
1.1 Relationship of QoS and QoE
1.2 Services, Applications or "Popular Services"
1.3 Is DFS a "Popular Service"?
2 Problem statements
2.1 Different use cases
2.2 Legal entities
2.3 Mobile Network QoS affecting all services
2.4 Possible Solutions
3 Conclusions
3.1 Conclusions for use case #1
3.2 Conclusions for use case #2
3.3 Conclusions related to the fitness for DFS
3.4 Conclusions related to Digital Financial Services
4 Guidance and suggestions
4.1 Use case #1
4.2 Use case #2
4.3 Guidance related to mobile networks
4.4 Guidance related to specific Digital Financial Services implementations
4.5 KPIs for non-utilization stages
4.6 Mystery shopping
4.7 Legal entities
5 Future Considerations: Top-level view
5.1 Use cases and related top-level KPI
5.2 Technological components of DFS
5.3 Stakeholders
5.4 QoS Monitoring
Annex A: Overview of existing standards which are related to DFS
Annex B: Underlying functionalities of DFS applications
B.1 Use Case #1
B.2 Use Case #2
Annex C: Selection of a set of KPIs appropriate for DFS
C.1 KPIs for non-utilization stages
C.2 Technical KPIs
III Review of DFS User Agreements in Africa: A Consumer Protection Perspective
Executive summary
1 Introduction
2 Key highlights
2.1 Language of agreement & transparency of communications
2.2 Provider obligations
2.3 Consumer obligations
2.4 Complaints handling
3 Conclusions and recommendations
Annex 1: DFS Contracts Reviewed
Annex 2: Summary of findings