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Financial
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                                                                                                   International                                                                          ITU-T Focus Group
                                                                                             Telecommunication
                                                                                                        Union                                                              Digital Financial Services
                                                                                               Place des Nations
                                                                                             CH-1211 Geneva 20
                                                                                                    Switzerland                                                                                          Interoperability



                                                                                          ISBN 978-92-61-23901-5




                                                                                         9 7 8 9 2 6 1 2 3 9 0 1 5



                                                                                             Printed in Switzerland
                                                                                                   Geneva, 2017
                                                                                            Photo credits: Shutterstock
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