Question 1 Not yet answered Marked out of 1.00 Flag question Question 2 Not yet answered Marked out of 1.00 Flag question Question 3 Not yet answered Marked out of 1.00 Flag Which is generally NOT a key strength of banks as compared to mobile operators and retailers as they develop digital financial services for the unbanked in developing countries? Select one: O a. Breadth of current financial service offering O b. Density of distribution across the population and territory O c. Customers sense of personal affinity with the brand Which type of service is specifically designed to circumvent (i.e. disintermediate) banks? Select one: O a. Person-to-person (P2P) lending O b. A savings service based on different goals O c. Instant loans requested via mobile When is it in the best interest of the largest mobile money player to interconnect with its smaller competitors? Select one: O a. Never O b. Sometimes Question 4 Not yet answered Marked out of 1.00 Flag question Question 5 Not yet answered Marked out of 1.00 Flag question. Question 6 Not yet answered Marked out of 1.00 Flag question How might one use Bitcoin (BTC): Select one: O a. Only as a store of value O b. Only as a means of payment O c. It could be both a store of value and a means of payment The critical mass point defines the point in time when.... Select one: O a. The provider becomes the largest in the market O b. The provider covers every district in the country O c. The scale of operation starts working to the advantage of the provider Network effects occur when... Select one: O a. The cost of serving each customer goes down with the number of customers O b. The value derived by each customer increases with the number of customers O c. Any time the number of customers grows Question 7 Not yet answered Marked out of 1.00 Flag question Question 8 Not yet answered Marked out of 1.00 Flag question. Question 9 Not yet answered Marked out of 1.00 Flag question Which of these best describes the functioning of the bitcoin platform? Select one: O a. A decentralized private ledger O b. A centralized public ledger O c. A decentralized public ledger Which is an example of a process innovation: Select one: O a. Faster loan approvals O b. Extending the repayment term of a loan O c. Charging lower fees on a loan application What advantage or advantages do mobile operators have over banks when it comes to getting into the digital financial services space? Select one: O a. Larger customer bases O b. Range of specialist financial products Question 9 Not yet answered Marked out of 1.00 Flag question Question 10 Not yet answered Marked out of 1.00 P Flag question What advantage or advantages do mobile operators have over banks when it comes to getting into the digital financial services space? Select one: O a. Larger customer bases O b. Range of specialist financial products O c. Extensive distribution channels O d. More regulatory flexibility to do what they like O e. A and C O f. B and D Which is the main argument why a large operator might deny interconnection to a small operator, even though both could gain from scaling up? Select one: O a. Because it would make it more difficult for the large operator to disrupt neighboring markets O b. Because the small operator would benefit proportionately more from interconnecting, and could then turn into a viable competitor. O C. Because regulations generally preclude it. O d. Because the customers of the larger operator would be less happy being part of a larger network