世界银行：发展中东和北非的数字支付服务（英文版）（134页）.pdf

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1、DEVELOPING DIGITAL PAYMENT SERVICES IN THE MIDDLE EAST AND NORTH AFRICA A Strategic Approach Public Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure Authorized 2021 International Bank for Reconstruction and Development / The World Bank 1818 H Street NW W

2、ashington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This volume is a product of the staff of the World Bank. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Execu- tive Directors of the World Bank or the governmen

3、ts they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of the World Bank concerning the legal status of any territory or the

4、endorsement or acceptance of such boundaries. RIGHTS AND PERMISSIONS The material in this publication is subject to copyright. Because the World Bank encour- ages dissemination of their knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attributio

5、n is given. DEVELOPING DIGITAL PAYMENT SERVICES IN THE MIDDLE EAST AND NORTH AFRICA A Strategic Approach ii TABLE OF CONTENTS iii Acknowledgements v Acronyms vi Executive summary 1 I. Introduction 12 II. Innovation in The Business of Payments 17 A Rapidly Changing Business Environment 17 Need for St

6、rategic Direction and Policy Action 23 III. The MENA Region: Economy and Digital Payments 28 Basic Economic Facts on MENA 28 DPS Progress (I): At the Region Level 31 DPS Progress (II): Across the Region 34 IV. Developing Sound and Dynamic DPS Ecosystems in MENA 39 DPS in MENA: Challenges and Opportu