it was coming later in the conversation!
hopefully we kind of got there:
DFSPs in a consortium (minimium = 3, ideally a mix of bank and non-bank!) need to want to solve the problems of moving money efficiently and effectively in service of end customers (who could be individuals, MSMEs or larger businesses/governments)
someone needs to run the technology (hub operator)
we believe that this consortium is a good fit for us if they believe in:
… open loop (easy for another DFSP to join)
… customers come first and a good ux will lead to deeper adoption (eg centralised directory services)
… consumer protection & regulatory compliance can be simpler through shared utility services (eg shared FRMS, shared regulatory reporting mechanisms, transaction limit checking imposed by regulations actively part of the design)
No-one pays Mojaloop foundation (other than its members, a whole different business model to what we are talking about here.)
Hence I stay away from the word “customer”
I have used “adopter” - as in the consortium (scheme) + hub operator that choses the Mojaloop way.
How they pay each other (or not) is not in our control as the Mojaloop Foundation/Community