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Shifting Branchless Banking Regulation from Enabling to Fostering Competition

Ignacio Mas

University of Oxford - Said Business School; Tufts University

June 29, 2014

Branchless banking solutions in most countries tend to be dominated by a few large players, and exhibit low levels of innovation. The paper argues that there is a need to evolve the regulatory framework for branchless banking from one that enables participation by banks and telcos to one that fosters competition by a broader range of players. Regulations on e-money issuers, retail agents and account opening need to be recast so as to reduce the cost of entry and give much more scope for service and business model innovation. In addition, there is a growing need for policymakers to ensure there is a level playing field across all players, and that mobile operators do not exploit their dominance in the mobile communications market to gain advantage in the new market for mobile financial services.

Number of Pages in PDF File: 29

Keywords: Financial Access, Financial Inclusion, Mobile Banking, Electronic Money, Branchless Banking, ICT For Development

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Date posted: October 15, 2010 ; Last revised: July 29, 2014

Suggested Citation

Mas, Ignacio, Shifting Branchless Banking Regulation from Enabling to Fostering Competition (June 29, 2014). Available at SSRN: http://ssrn.com/abstract=1692164

Contact Information

Ignacio Mas (Contact Author)
University of Oxford - Said Business School ( email )
Park End Street
Oxford, OX1 1HP
Great Britain
Tufts University ( email )
Medford, MA 02155
United States
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