万国邮政联盟-为中小微企业服务的潜在邮政商业模式：“邮政作为中小微企业支付数字化的推动者”研究的配套文件（英）

POTENTIAL POSTAL BUSINESS MODELS TO SERVE MSMEsCompanion document to the study “Posts as enablers of MSME payment digitalization”Published by the Universal Postal Union (UPU) Berne, Switzerland Printed in Switzerland by the printing services of the UPU International Bureau Copyright © 2023 Universal Postal Union All rights reserved Except as otherwise indicated, the copyright in this publication is owned by the Universal Postal Union. Reproduction is authorized for non-commercial purposes, subject to proper acknowledgement of the source. This authorization does not extend to any material identified in this publication as being the copyright of a third party (e.g. through an image credit). Authorization to reproduce such third party materials must be obtained from the copyright holders concerned.AUTHORS: UPUTITLE: Potential postal business models to serve MSMEs: Companion document to the study “Posts as enablers of MSME payment digitalization”, 2023ISBN: 978-92-95116-28-3DESIGN: Sonja Denovski CONTACT: ihab.zaghloul@upu.intPOTENTIAL POSTAL BUSINESS MODELS TO SERVE MSMEsCompanion document to the study “Posts as enablers of MSME payment digitalization”Figure A Business canvas for model 1 .....................................................................................................................13Figure B Business canvas for model 2 ....................................................................................................................19Figure C Business canvas for model 3 ....................................................................................................................25FIGURESTABLE OF CONTENTSPostal business models to serve MSMEs ..........................................................................8Model 1: Financial services agents to MSMEs .................................................................10Model 2: Digital payment acceptors for MSMEs .............................................................15Model 3: Facilitators of supply chain payment and delivery services ......................21Challenges to MSME payment digitalization ....................................................................26Key risks and proposed mitigations ..................................................................................28How can Posts get started? .................................................................................................30Key considerations for a go-to-market strategy ...........................................................32Annexes ..........................................................................................................................................37List of abbreviationsAMLAnti-money launderingAPIApplication programming interfaceB2BBusiness to businessBCBanking correspondentCFTCombating the financing of terrorismCICOCash-in and cash-outDFSDigital financial servicesFGDFocus group discussionFITAFFinancial Inclusion Technical Assistance Facilit