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The BIS Working Paper "Mobile Payments and Interoperability: Insights from the Academic Literature" examines the impact of alternative competition and regulatory policies on the development of digital financial services, with a focus on mobile payments. The paper highlights the extent to which existing models from related industries can be applied to study the effects of mobile money interoperability. The authors focus on four dimensions of interoperability: mobile network interoperability, payment system interoperability, card interoperability, and consumer choice. The paper concludes that interoperability can lead to increased competition, financial inclusion, and innovation in the mobile payments industry.
