Janet ShulistPast examples and research have both shown that burdensome or overly prescriptive regulation hinders mobile money innovation and scale. For instance, a study conducted in 2015 found that heavy regulation—such as “an insistence that banks play a central role in the schemes, together with burdensome KYC and agent restrictions”—was often fatal to mobile
Janet ShulistThe digital ecosystem—a collection of organizations, individuals, and policies that enable and deliver digital financial services—is rapidly evolving due to increased smartphone penetration in emerging markets and innovation in mobile technologies. How will this shift help or hinder innovation and development of digital financial services? FiDA’s Snapshot 13, The opportunities for and threat to the