Mobile Banking and Financial Inclusion : The Regulatory Lessons

Klein, Michael ; Mayer, Colin

关键词: ACCESS PRICING;    ACCESS TO FINANCE;    ACCESS TO PAYMENTS;    ACCOUNT HOLDER;    ACCOUNT HOLDERS;   

DOI  :  10.1596/1813-9450-5664
RP-ID  :  WPS5664

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Mobile banking is growing at aremarkable speed around the world. In the process it iscreating considerable uncertainty about the appropriateregulatory response to this newly emerging service. Thispaper sets out a framework for considering the design ofregulation of mobile banking. Since it lies at the interfacebetween financial services and telecoms, mobile banking alsoraises competition policy and interoperability issues thatare discussed in the paper. Finally, by unbundling paymentsservices into its component parts, mobile banking providesimportant lessons for the design of financial regulationmore generally in developed as well as developing economies.