# Solomon Islands — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/SB
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Mobile money** emerging
- **Our Telekom** mobile services
- **BSP** regional bank presence
- **CBSI** regulatory oversight
- **High unbanked** population

## Banking landscape

### Central Bank
- **Name:** Central Bank of Solomon Islands (CBSI)
- **Website:** https://www.cbsi.com.sb/
- **Role:** Monetary policy, financial regulation

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | BSP Solomon Islands | Regional | BSP App |
| 2 | ANZ Solomon Islands | International | ANZ App |
| 3 | Pan Oceanic Bank | Local | Limited |

### Market Structure
- **BSP:** Dominant regional bank
- **ANZ:** International presence
- **Limited banking:** Geographic challenges
- **Cash dominant:** Primary method

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Bank transfers | Banks | Wire | Active |
| Mobile money | MNOs | Emerging | Developing |
| Card networks | Visa/MC | Cards | Limited |
| Cheque clearing | CBSI | Manual | Active |

### Mobile Money Status
- Our Telekom services
- BMobile involvement
- Financial inclusion goal
- Rural access challenge

### Geographic Challenge
- Many scattered islands
- Limited infrastructure
- Connectivity issues
- Digital solutions needed

---

## QR code standards

### QR Payment Status

| Attribute | Value |
|-----------|-------|
| **Standard** | Developing |
| **Adoption** | Limited |
| **Providers** | Emerging |
| **Challenge** | Infrastructure |

### Mobile Money QR
- Developing stage
- MNO-led efforts
- Bank partnerships
- Future potential

### Bank Digital Services
- BSP digital banking
- ANZ mobile services
- Limited QR features
- Growing capabilities

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| BSP App | BSP | Limited | Banking |
| Mobile money | MNOs | Developing | P2P |
| Bank Apps | Various | Limited | Services |

### Financial Inclusion
- High unbanked rate
- Rural population
- Mobile solution needed
- MNO/bank collaboration

### Development Focus
- Digital financial services
- Payment infrastructure
- Regulatory framework
- Consumer protection

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [Bank transfers](https://docs.barcoder.ai/docs/payments/SB/bank-transfers) | Wire | Banks | Active | — |

## Sources

- [CBSI Official](https://www.cbsi.com.sb/)
- [MoneyMatrix - Solomon Islands](https://moneymatrix.com/country/solomon-islands/)
- [BSP Pacific](https://www.bsp.com.sb/)
- [Pacific Islands Forum](https://www.forumsec.org/)

## Full country report

[SB-solomon-islands.md](https://docs.barcoder.ai/docs/payments/SB)