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digital payment financial inclusion iips dpi instant payment systems digital payments inclusive payment systems payment service providers cross-border payments real-time transactions consumer insights consumer research payment system design regulatory harmonization banking access mobile network operators fintech ekyc transaction accounts low-cost payments african payment ecosystem payment systems analysis public sector partnerships private sector collaboration community of practice technical support capacity building networking & collaboration africanenda siips report payment infrastructure financial exclusion digital financial services stakeholder engagement evidence-based policy best practices training & workshops inclusive finance economic communities value propositions cybersecurity threats governance in payment systems transaction volumes financial education cost drivers for payments payment adoption barriers national instant payment systems consumer behavior analysis digital payment systems instant payment solutions unbanked adults vulnerable populations women in rural areas technical expertise public-private partnerships inclusive financial ecosystems seamless transactions low-cost digital payments african economic development financial literacy stakeholder consultations advisory services universal access sustainable development goals project development support economic empowerment cashless economy financial technology inclusive payment schemes economic inclusion digital transformation poverty alleviation financial access finance technology information technology & services financial services