Pricing policies and strategies implemented by incumbent PJPs and new players has potentially lead to to unfair competition. These  Scheme 12.
The Future of Payment System Infrastructure Interconnection FRONT END Consumer Acquiring Services Merchant Payment Channels  Cheque/BG  ATM/Debit Card  Nonbank EM  Digital Payment Cash Payment Bank Notes and Coins  IPT4)  QR 1)  Mobile & Internet including QR (static & dynamic)  Settlement  National Retail SP Infrastructure  Proxy Address & ID Repository  Digital Payment ID  Clearing  SKNBI  ATM E-Wallet  Switching  Aggregator  2)  API  Consumer3)  Debit Transfer  Public Infrastructure  EDC / POS  Credit Card Bank Electronic Money (EM)  Credit Transfer  Data Hub Center of Retail Payment Services  Payment Aggregator  Agent (i.e.