Each lens highlights a set of principles that have heightened relevance in that thematic context and provides deeper, detailed guidance for how an implementor can deliver on inclusivity.
As the L1P project team continues its work and research, it may build out additional lenses.
Explore the Practices by Lens
Learn which Practices are particularly relevant for each context and learn from expanded guidance, market illustrations, and tools.
The Cross-Border Lens
The cross-border lens offers guidance on achieving these specific L1P Principles and Practices in the cross-border context.
The Women’s Inclusion Lens
This lens highlights L1P practices that encourage participation by non-bank DFSPs, keeping processes transparent and simple, prioritizing safe payments, and centering user experience as core to the success of driving volumes and values for the Inclusive IPS system.
The Fraud Mitigation Lens
The fraud mitigation lens offers a consolidation of essential guidance to help entities enact effective fraud mitigation while preserving a commitment to inclusion. This guidance is also integrated within core level One Principles and Practices.
Prefer to see all Practices?
Explore all practices here, or download the Implementor’s Checklist.
Lens
Fraud Rules
Scheme rules must guide DFSPs in managing fraud risk and establish fraud data and information sharing guidelines.
View View Fraud Rules
Not for Loss Business Model
The Scheme must adopt a business model focused on sustainability of activities, not on profit generation. The Scheme seeks to recover its operating costs (business…
View View Not for Loss Business ModelGovernment Role
Government must play an influential role in the Scheme regardless of whether it wholly or partially owns the Scheme. In particular, the central bank should…
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All Use Cases
The Scheme should support the processing of payments associated with all use cases and the tracking of use case type in the payment message.
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Modern Technical Architecture
A platform — as defined by Scheme rules – must provide at least switching, settlement, fraud management services, and an alias lookup and mapping service…
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Irrevocable
Scheme rules must require that a transfer cannot be recalled or cancelled once it has been initiated by the payer.
View View Irrevocable
Gender Disaggregated Data
The Scheme ecosystem should ensure that data on account holders and usage can be disaggregated by gender to support measurement of gender gaps and inform…
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Fraud Liability
Scheme rules must ensure that end users are not liable for confirmed fraudulent payments. This includes fraudulent payments resulting from Authorized Push Payment Fraud (initiated…
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Low Fees for DFSPs
Fees charged to cover Scheme costs (e.g., platform development, connections to DFSPs or other entities, developing rules and ensuring compliance, general operations, settlement, etc.) must…
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Inclusive Scheme Rules
The Scheme Rulebook must clearly articulate the roles and responsibilities of DFSPs and the Scheme itself, while also defining the guarantees for ensuring the Scheme…
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Government Use
Government agencies should use the Scheme for all types of retail disbursements (G2P) and collections (P2G).
View View Government Use
Data Readiness
Data should be structured using ISO 20022 and designed to support all use case needs while also minimizing the passage into or retention of personally…
View View Data ReadinessExplore the Resource Library
View our comprehensive and searchable library of documentation to review how the Level One Project Principles can be put into practice.
