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Understanding role of national payment system

Daily Monitor
Monday March 15 2021
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A national payment system (NPS) is a set of systems, policies, and infrastructures that enable consumers, businesses and other entities to effect financial transactions, including making payments to one another and using the accounts and payment instruments issued by financial institutions.
The essence of a payment system is that it uses cash-substitutes, such as cheque’s or electronic messages, to create the debits and credits that transfer value.
Well, a payments bank could be a bank operating on a small scale without involving the issuance of credit, but carrying out most bank-like operations and transactions. They operate current and savings accounts, where interest could be paid, and can also issue ATM or debit cards to their customers. ....

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