{"id":88279,"date":"2022-09-29T15:44:52","date_gmt":"2022-09-29T14:44:52","guid":{"rendered":"https:\/\/www.digitalvirgo.com\/?page_id=88279"},"modified":"2023-08-09T08:16:03","modified_gmt":"2023-08-09T07:16:03","slug":"glossary","status":"publish","type":"page","link":"https:\/\/www.digitalvirgo.com\/pl\/glossary\/","title":{"rendered":"Glossary"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"88279\" class=\"elementor elementor-88279\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-832ebe5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"832ebe5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;background_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;background_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-923a045\" data-id=\"923a045\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d3306b ee-breadcrumbs-align-center elementor-widget elementor-widget-ee-breadcrumbs\" data-id=\"4d3306b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ee-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"ee-breadcrumbs\"><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e998a06 ee-heading--gradient elementor-widget elementor-widget-heading-extended\" data-id=\"e998a06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading-extended.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<h1 class=\"ee-heading elementor-size-default\" data-title=\"Alternative Payment Methods word index\"><span class=\"ee-heading__text\">\n\t\t\tAlternative Payment Methods word index\t\t<\/span><\/h1>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23d3b70 elementor-widget elementor-widget-text-editor\" data-id=\"23d3b70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Concepts to understand DCB, Mobile Money and other Alternative Payment Methods<\/p><p><iframe id=\"zShareTpcCheck\" style=\"display: none;\" src=\"chrome-extension:\/\/ddafdejlekcmnafgnbllcfkebabhabcl\/html\/tpc.html\"><\/iframe><span id=\"zoho_button_ext\" style=\"display: none; position: absolute; z-index: 99999999; width: 80px; height: 31px; background-image: url('chrome-extension:\/\/ddafdejlekcmnafgnbllcfkebabhabcl\/images\/zshare.png'); background-size: 80px 31px; opacity: 0.9; cursor: pointer; top: 0px; left: 0px;\"><\/span><\/p><p><iframe id=\"zShareTpcCheck\" style=\"display: none;\" src=\"chrome-extension:\/\/ddafdejlekcmnafgnbllcfkebabhabcl\/html\/tpc.html\"><\/iframe><\/p><p><iframe id=\"zShareTpcCheck\" style=\"display: none;\" src=\"chrome-extension:\/\/ddafdejlekcmnafgnbllcfkebabhabcl\/html\/tpc.html\"><\/iframe><\/p><p><iframe id=\"zShareTpcCheck\" style=\"display: none;\" src=\"chrome-extension:\/\/ddafdejlekcmnafgnbllcfkebabhabcl\/html\/tpc.html\"><\/iframe><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06c8146 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06c8146\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;background_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;background_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;background_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3cfaaff\" data-id=\"3cfaaff\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc4f9d0 ee-scroll-indicator-direction--vertical elementor-widget elementor-widget-ee-scroll-indicator\" data-id=\"cc4f9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-140,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_offset&quot;:100,&quot;sticky_offset_tablet&quot;:60,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;click&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"ee-scroll-indicator.list\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator-show--text ee-scroll-indicator ee-scroll-indicator--skin-list\">\n\t\t\t\t\t<ul class=\"ee-scroll-indicator__menu ee-nav \">\n\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"apm\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Alternative payment methods<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"api\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">API<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"arpu\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">ARPU<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"cashin\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Cash in<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"cashout\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Cash out<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"conversion-rate\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Conversion rate<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"cross-border-payment\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Cross-border payment<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"customer-satisfaction\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Customer satisfaction<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"dcb\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">DCB<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"emoney\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">eMoney<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"ewallet\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">eWallet<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"financial-inclusion\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Financial inclusion<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"glocal\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Glocal<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"merchant-payment\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Merchant Payment<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"micropayments\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Micropayments<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"mobile-money\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Mobile Money<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"mobile-money-transfer\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Mobile Money transfer<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"mobile-payment\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Mobile payment<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"p2b\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">P2B<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"p2p\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">P2P<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"payment-hub\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">Payment Hub<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"roi\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">ROI<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"ee-scroll-indicator__element\" data-selector=\"user-acquisition\" data-start=\"top-top\" data-start-offset=\"0\" data-end=\"top-bottom\" data-end-offset=\"0\">\n\t\t\t\t\t<a class=\"ee-scroll-indicator__element__link has--cursor\">\n\t\t\t\t\t<div class=\"ee-scroll-indicator__element__text\">\n\t\t\t\t\t\t<h4 class=\"ee-scroll-indicator__element__title\">User Acquisition<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5b9ec09\" data-id=\"5b9ec09\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d187278 elementor-widget elementor-widget-text-editor\" data-id=\"d187278\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"apm\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Alternative Payment Methods<\/h3><p>Alternative payment methods are a way of paying for goods or services without using cash or major card schemes. This includes Direct Carrier Billing, Mobile Money Services and eWallets, among others. These payment methods are known for being fast, secure and simple, allowing a higer conversion rate than, for example, credit cards.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe5d79 elementor-widget elementor-widget-text-editor\" data-id=\"3fe5d79\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"api\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>API<\/h3><p>Short for Application Programming Interface. An API is a software that connects two applications. When at Digital Virgo we say that Merchants can connect to Carriers and eWallet providers via one single API we are referring to the capacity to plug into our DV PASS platform and connect directly to Telcos and Mobile Money services worldwide, without the need of generating specific connections to each player.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-532f441 elementor-widget elementor-widget-text-editor\" data-id=\"532f441\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"arpu\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>ARPU<\/h3><p>Acronym for Average Revenue Per User. The ARPU is one of the key business KPIs, a system to calculate the average spend of a user on a service in a determined period of time (month, year etc.). One of our main goals is to increase the ARPU of our partners by, for example, reducing and maintaining the ratio of attempted fraud in Direct Carrier Billing through the three levels of DCB Shield (Digital Virgo anti-fraud solution).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87b38d6 elementor-widget elementor-widget-text-editor\" data-id=\"87b38d6\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"cashin\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: inherit; background-color: var( --e-global-color-6f47160 );\">Cash in<\/span><\/h3><p><span style=\"font-size: 13px;\">The process by which a customer credits his account with cash. This is usually via an agent who takes the cash and credits the customer\u2019s mobile money account.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5de1c4 elementor-widget elementor-widget-text-editor\" data-id=\"b5de1c4\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"cashout\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">Cash out<\/span><\/h3><p><span style=\"font-size: 13px;\">The process by which a customer deducts cash from his mobile money account. This is usually via an agent who gives the customer cash in exchange for a transfer from the customer\u2019s mobile money account.\u00a0\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-930d78c elementor-widget elementor-widget-text-editor\" data-id=\"930d78c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"conversion-rate\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Conversion rate<\/h3><p>When talking about Digital Marketing, the conversion rate measures how many users turn into subscriptors or buyers of a product or service after seeing an<span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">\u00a0ad campaign or starting a payment flow<\/span><span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">. The higher the percentage of conversion rate, the more successful your content or customer journey has been. One of the key benefits of Alternative Payment Methods, as opposed to credit cards, is the higher conversion rate related to the customer journey.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-122d24d elementor-widget elementor-widget-text-editor\" data-id=\"122d24d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"cross-border-payment\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Cross-border payments<\/h3><p>Cross-border payments are transactions that involve individuals, companies, banks\u2026 in two different countries or jurisdictions. Payment methods such as eWallets are key to simplify these transactions and give Merchants the opportunity to expand internationally, through platforms such as DV PASS, without having to invest in being physically present in another country.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9000848 elementor-widget elementor-widget-text-editor\" data-id=\"9000848\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"customer-satisfaction\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Customer satisfaction<\/h3><p>Customer Satisfaction measures how happy or satisfied a customer is whith a product or service. When talking about DCB or eWallets, customer satisfaction is achieved by offering customers transparency, security through the whole journey, customer care and high quality products.\u00a0<span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">Ensuring a satisfied customer allows to guarantee the sustainability of the Alternative Payment Methods business, while a dissatisfied customer means business losses and, more importantly, reputational damage that is difficult to reverse.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae16dda elementor-widget elementor-widget-text-editor\" data-id=\"ae16dda\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"dcb\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">DCB<\/span><\/h3><p><span style=\"font-size: 13px;\">Short for Direct Carrier Billing.\u00a0DCB is an online mobile payment method which allows customers to purchase goods and services by charging payments to their telecom operator carrier bill.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba29825 elementor-widget elementor-widget-text-editor\" data-id=\"ba29825\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"emoney\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>eMoney<\/h3><p class=\"MsoNormal\">Short for electronic money. It is stored value held in the accounts of users, agents, and the provider of the mobile money service.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6ef536 elementor-widget elementor-widget-text-editor\" data-id=\"e6ef536\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"ewallet\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>eWallet<\/h3><p>eWallets are digital money accounts that are primarily accessed using a mobile phone. This can be a Telco Wallet or a wallet from another provider. This wallets enable users to pay or transfer their electronic money without needing a bank account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24dbd71 elementor-widget elementor-widget-text-editor\" data-id=\"24dbd71\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"financial-inclusion\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"color: inherit; background-color: var( --e-global-color-6f47160 );\">Financial inclusion<\/span><\/h3><p><span style=\"font-size: 13px;\">Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs \u2013 transactions, payments, savings, credit and insurance. Mobile Money helps regions with low bankarization to achieve this goal.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-594517c elementor-widget elementor-widget-text-editor\" data-id=\"594517c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"glocal\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Glocal<\/h3><p>The term refers to an interconnection of Global and Local values in building a successful global company vision and identity. This term is widely used in Digital Virgo\u2019s vocabulary as it accurately represents its diverse role in international perspective.\u00a0<span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">By opening new offices in different countries our aim is to be closer to our clients\u2019 needs. Our Teams adjust Digital Virgo\u2019s Global experience in Local perspective.\u00a0 \u00a0<\/span><\/p><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff3b840 elementor-widget elementor-widget-text-editor\" data-id=\"ff3b840\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"merchant-payment\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Merchant Payment<\/h3><p>A payment made from a mobile wallet via a mobile money platform to a retail merchant in exchange for goods or services. It can be both, digital and physical goods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16bfbe2 elementor-widget elementor-widget-text-editor\" data-id=\"16bfbe2\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"micropayments\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Micropayments<\/h3><p><span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">A micropayment is a small transaction, usually made online, to pay for goods or services. In the digital environment, micropayments are normally related to downloading products or subscribing to services, for a example a mobile game download or a monthly subscription to a VOD platform.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f868aaf elementor-widget elementor-widget-text-editor\" data-id=\"f868aaf\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mobile-money\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Mobile Money<\/h3><p class=\"MsoNormal\">A service in which the mobile phone is used to access financial services.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54e43d7 elementor-widget elementor-widget-text-editor\" data-id=\"54e43d7\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mobile-money-transfer\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Mobile Money transfer&nbsp;<\/h3>\n<p>A movement of value that is made from a mobile wallet, accrues to a mobile wallet, and\/or is initiated using a mobile phone.&nbsp;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6b54af elementor-widget elementor-widget-text-editor\" data-id=\"b6b54af\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mobile-payment\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Mobile Payment<\/h3><p>A transaction made from a mobile wallet or thorugh the Telecom Operator bill to pay for goods or services, especially digital services, either at the point of sale or remotely.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03b1671 elementor-widget elementor-widget-text-editor\" data-id=\"03b1671\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"p2b\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">P2B<\/span><\/h3><h3><span style=\"font-size: 13px;\">Peer-to-Business. A transfer made from one person to a business. These transfers have been gaining weight in the Mobile Money ecosystem recently and are forescasted to grow strongly in the coming years.\u00a0<\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ea3b15 elementor-widget elementor-widget-text-editor\" data-id=\"9ea3b15\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"p2p\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>P2P<\/h3><p>Peer-to-Peer. A transfer made from one person to another person. These kind of transactions have been one of the main uses of Mobile Money in the last decade.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72ebcd4 elementor-widget elementor-widget-text-editor\" data-id=\"72ebcd4\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"payment-hub\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Payment Hub<\/h3><p>A payment hub is a platform through which payments are transacted. It can allow different payment methods. in the case of DV PASS, Digital Virgo&#8217;s payment hub, Merchants are connected to Carriers and Mobile Money providers to enable secure and fast payments made with Direct Carrier Billing, eWallets, Mobile Money services or Local Debit cards.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79cab1c elementor-widget elementor-widget-text-editor\" data-id=\"79cab1c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"roi\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>ROI<\/h3><p>Acronym for Return On Investment. It is a measurement tool that business use to calculate how successful has an investment been to achieve a specific goal. In user acquisition through ad campaigns, the ROI is the number of news users made through the investment in the campaign.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14524a1 elementor-widget elementor-widget-text-editor\" data-id=\"14524a1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"user-acquisition\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>User acquisition<\/h3>\n<p>User acquisition is the process of obtaining new users or subscribers for an app, platform or other services, such as VOD or music streaming services. This acquisition is usually obtained through digital marketing and advertising campagins to generate interest in potential clients that finally become customers. Digital Virgo believes in the strength of applying this marketing tecnique to make Merchants grow their revenue and expand their business, conducting over&nbsp;<span style=\"background-color: var( --e-global-color-6f47160 );\">35.000 campaigns and&nbsp;<\/span><span style=\"background-color: var( --e-global-color-6f47160 ); color: var( --e-global-color-text );\">110\u20ac million of media buying every year<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Alternative Payment Methods word index Concepts to understand DCB, Mobile Money and other Alternative Payment Methods Alternative payment methods API ARPU Cash in Cash out Conversion rate Cross-border payment Customer satisfaction DCB eMoney eWallet Financial inclusion Glocal Merchant Payment Micropayments Mobile Money Mobile Money transfer Mobile payment P2B P2P Payment Hub ROI User Acquisition Alternative [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":72639,"parent":0,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-88279","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Glossary &#8226; 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