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Digital financial services


Our work includes:

Proliferation of communications devices and liberalisation of financial regulation is opening a flood of new digital financial payment systems, digital credit and other products. These are contributing to important gains in financial inclusion in many countries.

We assist policy makers, regulators and service providers in designing, applying and navigating the regulatory ecosystem, on issues such as licensing and market entry, prudential financial regulation, interoperability, use of customer data, agent networks, competition and access to the telecom platform.

Recent activities include:

Advising the Competition Authority of Kenya, the World’s leader in mobile financial services, in two market enquiries, one into competition in retail banking (including mobile banking), and the other into competition issues in the provision of telecom services for provision of mobile financial services.

Advising a major international services provider on regulatory policy and liberalisation of the digital financial services market in Bangladesh.

Advising a European Government on introduction of mobile money services in a region of Europe.

Advising the Ugandan Competition Commission in a review of the telecom platforms (USSD and SMS) used for mobile financial services.

Studying competition bottlenecks in mobile financial services in Tanzania and Uganda for the Bill & Melinda Gates Foundation.


We seek to bring the latest in expertise to our clients as they navigate complex interrelated issues involving financial, telecommunications and competition regulation.

In 2016, Rory authored and presented a wide-ranging paper Digital Financial Services: Regulating for Financial Inclusion at the ITU’s Global Dialogue on Digital Financial Inclusion, part of its Global Symposium for Regulators.





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