Louise Malady


Building consumer demand for digital financial services – The new regulatory frontier

Digital Financial Services (DFS) are held out as key financial solutions for improving financial inclusion. However, targeted end-users often offer little in the way of obvious profitable opportunities and so market forces alone are not enough to ensure the supply of services and products which...
Working paper

Developing and implementing AML/CFT measures using a risk-based approach for new payments products and services

The use of new payment methods by the previously unbanked or underbanked holds out much hope for improved financial inclusion and consequently improved standards of living. It is important that new payment methods that enhance financial inclusion not be weighed down by overly burdensome regulation...
Working paper

The regulation of mobile money in Malawi

This report is the result of a study undertaken in late 2013 on Malawi’s legal and regulatory framework for mobile money. The study was commissioned by the MM4P and conducted in consultation with the Reserve Bank of Malawi (RBM).