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Steve Haley

Director of Market Development and Partnerships
Mojaloop Foundation
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16 Feb 2023
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Followed by John Sims, Martha Boyle and 5 others you follow

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Director of Market Development and Partnerships
Mojaloop Foundation
To Present
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Latest opinions

Steve Haley

Bridging the Gap Between Closed-Loop and Open-Loop Payments Systems

Payments ecosystems are often categorized as either closed-loop or open-loop systems, each with distinct advantages and limitations. Closed-loop systems, such as single-provider mobile wallets like M-Pesa, Venmo or PayPal, operate within a restricted network, limiting transactions to specific merchants or users who have the same provider. These sy...

22 April 2025

Steve Haley

Understanding the Difference Between Digital Public Infrastructure and Digital Public Goods

In an increasingly interconnected world, the synergy between digital public infrastructure (DPI) and digital public goods (DPGs) is crucial for creating an inclusive digital future but there’s currently a lot of confusion about these terms. By understanding their differences and how they complement each other, policymakers, technologists, and comm...

07 January 2025

Steve Haley

The Evolution of National Payment Systems and the Rise of Digital Sovereignty

Countries are increasingly modernizing their national payment systems to include the 1.4 billion underserved individuals within the digital economy, particularly those who rely on mobile phones and have limited access to traditional bank branches. Integrating unbanked and underbanked citizens into the digital economy allows central banks in emergi...

01 July 2024

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Latest comments

One-in-three consumers falling victim to APP fraud - Visa

Agree with above.  Its important data but I would want to see how the online survey was done.  If an email went out that said "please take this survey about APP fraud", its probably not a representative sample:

1. if I've been scammed, I'm probably more likely to click on the link.  

2. If I click on random survey links, I'm probably more likely to be scammed :) 

02 Feb 2024 05:59 Read comment

Real-Time Payments in the Regulatory Landscape

Cryptographic immutability (blockchain based or not) is essential as real time payments become integrated into our daily (hourly even) lives.   It needs to become standard.

22 Dec 2023 06:10 Read comment

UK payments watchdog proposes cap on interchange fees

"increase in 150-200m GBP" - yes clamp down on fees but also invest half that much in public utilities that give small businesses an alternatives - including cross border merchant payments.  (and acknowledge that acquiring banks prefer profit sharing with card schemes over public utilities...)

14 Dec 2023 04:30 Read comment

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Steve writes about

  • payments
  • financial inclusion

Steve's opinion archive

  • 2025 (2)
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Paula Hunter

Paula Hunter
Executive Director at Mojaloop Foundation

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