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Fair Play: Ensuring Competition in Digital Financial Services

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Providing guidance to financial sector regulators for identifying anti-competitive behavior

In many emerging economies, digital financial services (DFS) markets are limited to one or two major providers, reducing innovation, customer choice and potentially facilitating monopolistic or cartelistic behavior. Why are DFS markets prone to concentration? Is this a problem?

This primer applies a framework to help answer these questions and demonstrate how regulation can have a substantial impact on competitive dynamics in the DFS marketplace. The paper also proposes regulatory levers that policy makers can use to promote more competition. Looking ahead, a competitive landscape becomes especially important given the rising importance of customer data and the entry of large, multinational technology companies into DFS markets.

Document Information

Document Type Paper
Author Matthew Soursourian & Ariadne Plaitakis
Year of Publication 2019
Publisher CGAP
Number of Pages 32 pages
Region / Country Global /
Primary Language English (en)
Keywords Competition, digital financial services, emerging economies, customer choice, multinational technology
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