PSV 2020: As Nigeria leads in payment system internationally
The Payments System Vision 2020 (PSV2020) initiative of the Central Bank of Nigeria (CBN) has been described as a catalyst in the revolutionized payment system landscape of the country. Niyi Olaoye therefore looks at the apex bank’s implementation plan and the possibility of the vision.
The Payments System Vision 2020 (PSV2020) initiative of the Central Bank of Nigeria (CBN) has been assessed to be an initiative coming with a lot of benefits. One of its main benefits is to facilitate economic activities.
The PSV2020 is structured to provide a safe and efficient mechanism for making and receiving payments with minimum risks to the central bank, payment service providers and end user. In order to spread the gospel of PSV 2020, the apex bank recently organised a workshop for the financial journalists and other stakeholders, which is in line with the implementation plans for an efficient payment system in Nigeria.
Isaac Okoroafor, Acting Director, Corporate Communications, the Central Bank of Nigeria (CBN), who made the observation at the workshop, reiterated that the core objective of PSV2020 was to make Nigeria’s payments system “nationally utilized and internationally recognized”.
In his words: “It is gratifying to note that our country is not only acknowledged as a major economic force within Africa, but also increasingly becoming an active player in the global economy and to participate actively, our payments system must be successfully bench marked against the global best practices.”
Okoroafor further noted that through the implementation of the original PSV2020 initiatives by the CBN, in association with the banking community, Nigeria has witnessed an impressive growth of electronic payments and a shift from the overwhelming dominance of cash as a means of payment.
He listed the implementation of the Nigeria Uniform Bank Account Number; deployment of the real time gross settlement system where transfer of money or securities take place from one bank to another on a “real-time” and on “gross” basis, without waiting period; and the popular cash-less policy as part of the achievements of the vision.
Others were the deployment of the scrip-less Securities Settlement System; introduction of Cheque Truncation, which reduced clearing cycles for Automated Clearing House payments and cheque from three days (T+2) to next day (T+1); and enthronement of limits on encasement of third party cheques and a maximum cap of N10 million for cheque payments, to encourage the use of electronic payments channels.
Busines247 News Online also recalls that there were also the adoption of mobile money as a major channel for delivering financial inclusion; support for the implementation of the Federal Government’s Treasury Single Account; and migration of all payment cards from magnetic stripe technology to Chip-and-PIN, otherwise known as EMV, due to the assessed weaknesses of the former.
According to him, though the system has recorded some significant achievements so far in this journey, “a lot still remains to be done and we do not intend to rest on our oars”.
However, the new focus, which emerged from a detailed assessment of the Nigerian payments infrastructure, identified eight new industry verticals aimed at advancing the adoption of the electronic payments in Nigeria.
Similarly, Mr. Musa Jimoh, the Deputy Director and Head, Payments System Policy Oversight, Banking and Payments System Department, who is also a speaker at the workshop, pointed out that in agriculture sector, the focus would be to develop electronic payment methods to support the value chain from inputs to tertiary production and supply, while a cashless model for Smart Cities will be developed.
For the smart cities scheme, the focus will be on both existing cities and “greenfield cities”, to ensure that less cash is used as a means of payment in retail outlets, transportation, and food.
Jimoh said that the government’s cash flows would be reformed to ensure adoption of end-to-end electronic channels for all forms of salaries, pensions, suppliers, individual and business taxes payment and collection of revenues by private and public sector organizations.
He said, in hotel and entertainment, there would be need to work with key pilot hotels and other key entertainment venues such as restaurants, cinemas, sports centers to promote the cash-less initiative.
Under the transportation sector, he said the new focus would develop strategies for getting the public to pay for transportation (inter-city and intra-city) electronically, while a pilot implementation would be organized with various transportation companies.
Expressing confidence on the success of in the transport sector, he said that a lot of traction has been gained on this initiative on air transportation, while a lot still remains to be done on land, water and rail transport systems.
Other areas of focus include education, health and bill payments and direct debits, by designing and developing channels with components such as grants, scholarships, consultancy services, Internally Generated Revenue (IGR), tuition and administrative fees, provision of personal and medical information and payments for health and medical services and driving the current initiative for bill payments like insurance, pensions, telecommunications, Cable TV and utilities to conclusion.
No doubt, the country is making a steady progress, but to get to the Promised Land envisaged by the proponent of the vision, there is the need for the corporation and support of of all stakeholders.
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I was wondering if you ever thought of changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two images. Maybe you could space it out better?
The other day, while I was at work, my sister stole my apple ipad and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is completely off topic but I had to share it with someone!
Hi! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no back up. Do you have any solutions to protect against hackers?
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The other day, while I was at work, my sister stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!
When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove people from that service? Bless you!
I was wondering if you ever thought of changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?
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I was curious if you ever considered changing the layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 pictures. Maybe you could space it out better?
Hey are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any html coding expertise to make your own blog? Any help would be really appreciated!
Hey there would you mind stating which blog platform you’re using? I’m planning to start my own blog soon but I’m having a tough time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something unique. P.S My apologies for getting off-topic but I had to ask!
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Heya are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you require any html coding knowledge to make your own blog? Any help would be really appreciated!
I know this if off topic but I’m looking into starting my own weblog and was curious what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% certain. Any recommendations or advice would be greatly appreciated. Many thanks
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When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove me from that service? Thanks a lot!
Hey there! Do you know if they make any plugins to help with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Thanks!
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First of all I would like to say wonderful blog! I had a quick question which I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your mind before writing. I have had difficulty clearing my mind in getting my thoughts out there. I do take pleasure in writing but it just seems like the first 10 to 15 minutes are usually lost simply just trying to figure out how to begin. Any recommendations or hints? Thanks!
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Hmm is anyone else experiencing problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.
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Hello are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any html coding knowledge to make your own blog? Any help would be greatly appreciated!
Hey! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be fantastic if you could point me in the direction of a good platform.
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With havin so much content and articles do you ever run into any problems of plagorism or copyright infringement? My website has a lot of completely unique content I’ve either created myself or outsourced but it looks like a lot of it is popping it up all over the web without my permission. Do you know any techniques to help protect against content from being ripped off? I’d truly appreciate it.
At this time it appears like BlogEngine is the best blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?
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When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three e-mails with the same comment. Is there any way you can remove people from that service? Bless you!
Hello there! Do you know if they make any plugins to assist with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Kudos!
My developer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am anxious about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be greatly appreciated!
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The other day, while I was at work, my sister stole my iphone and tested to see if it can survive a forty foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!
With havin so much content do you ever run into any problems of plagorism or copyright violation? My website has a lot of completely unique content I’ve either written myself or outsourced but it appears a lot of it is popping it up all over the web without my permission. Do you know any solutions to help prevent content from being ripped off? I’d truly appreciate it.
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Hey! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my apple iphone. I’m trying to find a theme or plugin that might be able to resolve this issue. If you have any recommendations, please share. Thank you!
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Hi! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back up. Do you have any methods to stop hackers?
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