How to Implement
Guidance
Design context appropriate alias options with future flexibility.
While reasonable to expect that most end users will have a mobile number that could serve as their alias, the Scheme should not assume that a mobile number is the preference for everyone. Having an option to use a different alias will encourage greater adoption and also allow end users to register an alias if they have multiple accounts. Ease of sharing the alias is essential where smart phones are not widely available.
Communicate the pros and cons of different aliases.
The Scheme and DFSPs should organize local context appropriate communication to end users on the pros and cons of different alias options, and specifically, the advantages of using an alias that does not include personal information, protects end user safety, and utilizes communication methods most appropriate to women.
Why It Matters
Aliases ensure privacy and ease for end users, and a choice between them allows an end user to choose the best option for their needs. Non-phone number identifiers may be especially important for ensuring privacy and should always be made available.
Seeing More Clearly
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Women’s Inclusion
Women may face context-specific preferences on willingness to share phone numbers, national IDs, and other identifiers. These unique privacy concerns related to potential alias types, require thoughtful design and optionality in alias addressing to ensure that women end-users are able to safely transact.
Fraud Mitigation
Providing multiple options for an alias, including options that do not include personally identifiable information, empowers end users to choose an alias most suitable for them. When combined with standardized account naming, providing an account name that is relatable to the receiver, the Scheme helps to limit likelihood of fraudsters impersonating other users with false account names.
Tools
Design Guides
Dig into how to implement each of the practices.
Practical Approaches Acknowledge Social Norms Toward Women’s Inclusion
Summary of existing resources on ways to address gender norm barriers to inclusion.
Review Practical Approaches Acknowledge Social Norms Toward Women’s InclusionRepresentation of Women in Marketing and Financial Capability Campaigns
Summary of existing guidance on gender-inclusive communication in marketing and financial capability campaigns.
Review Representation of Women in Marketing and Financial Capability CampaignsBuilding Financial Awareness and Capability
This guidance summarizes the key attributes of a strong financial awareness and capability approach, with a focus on government social disbursement programs, which are often…
Review Building Financial Awareness and CapabilityRole of Ecosystem to Increase Women’s Awareness of Inclusive IPS Services and Products
Type of Stakeholder: Instant Payment System What The Stakeholder Can Do to Increase Women’s Awareness: Type of Stakeholder: Regulator What The Stakeholder Can Do to…
Review Role of Ecosystem to Increase Women’s Awareness of Inclusive IPS Services and ProductsPrivacy in Notifications
Overview of privacy risks related to notifications, along with methods for mitigating these risks.
Review Privacy in NotificationsSuggested Notifications and Tips for User Safety and Privacy
Description of effective notification types and sample market illustrations.
Review Suggested Notifications and Tips for User Safety and PrivacyFATF Recommendations and Guidance on Financial Inclusion
Summary of relevant FATF guidelines for customer due diligence and CGAP research on innovations in the space.
Review FATF Recommendations and Guidance on Financial InclusionEcosystem Roles in Enabling Certainty of Payee
Account Naming Role: Inclusive IPS Actions: Role: DFSP Actions: Role: Regulator Actions: Alias Addressing Role: Inclusive IPS Actions: Role: DFSP Actions: Role: Regulator Actions: Confirmation…
Review Ecosystem Roles in Enabling Certainty of PayeeWhat Good Certainty of Payee Looks Like
Overview of good design in the certainty of payee process, alongside a tangible example and illustration of the certainty of payee process.
Review What Good Certainty of Payee Looks LikeAlias Attributes
Overview of essential and desirable attributes for alias types.
Review Alias AttributesAlias Addressing Options
Overview of alias addressing types, benefits, and considerations for use.
Review Alias Addressing OptionsStandardized Disclosures for FX
This design note and companion interactive model suggests an approach to standardizing foreign exchange disclosure.
Review Standardized Disclosures for FXPIX Minimum Requirements for User Experience, Version 7.0
These are the user experience rules for financial institutions participating in Pix
Review PIX Minimum Requirements for User Experience, Version 7.0Generic payments scheme rulebook categories and example table of contents
A generic scheme rules that IIPS operators can use to build their own rulebook
Review Generic payments scheme rulebook categories and example table of contentsRelated Resources
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