AfricaNenda
Center of Excellence

Reference Guide for Inclusive Instant Payment Scheme Rules

A comprehensive framework for developing scheme rules, offering legal, operational, and governance foundations to build secure and accessible IPS across Africa.

Version 1.0
Glossary of Terms

Overview

Executive Summary1. Introduction2. Guiding Approach3. Legal Framework4. Participation Agreements5. Core Components of Scheme Rules6. Pricing Policy7. Education & Awareness8. Conclusion and Path Forward

Annexes

Annex 1: GlossaryAnnex 2: Global BenchmarkingAnnex 3: Key Performance MetricsAnnex 4: Financial Inclusion MetricsAnnex 5: Key Components of Scheme RulesAnnex 6: Participant Compliance ReportingAnnex 7: Examples of Existing IPS

AfricaNenda © 2026 · Reference Guide v1.0

7. Education & Awareness

1 min read1 sections159 wordsIPS Reference Guide v1.0

1. Delivery Channels and Methods

Educational content should be delivered through diverse and inclusive channels to accommodate varied literacy levels and technology access:

  • Digital Platforms: Mobile apps, websites, e-learning modules, and social media.

  • Mass Media Campaigns: Radio, television, and SMS-based messaging.

  • In-Person Training: Capacity-building workshops for PSPs, agents, and merchants.

  • Printed Materials: Flyers, posters, and brochures in local languages.

  • Train-the-Trainer Models: To cascade education through PSP staff, agent networks, and civil society partners.

1.1. Institutional Responsibilities

StakeholderResponsibility
Scheme ManagerDevelop national IPS education strategy, core messages, and baseline materials.
RegulatorsPromote public education on user rights and fraud prevention; ensure participant compliance.
Participants (PSPs)Train staff, agents, and customers; adapt materials to local needs.
System OperatorProvide technical training, integration guidance, and onboarding toolkits.
Civil Society and NGOsSupport community-level outreach and inclusion of vulnerable groups.
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