Digital Financial Inclusion and Regulation

This book explores the various considerations for achieving an effective regulatory strategy to improve financial access and usage in Nigeria and beyond. The author identifies gaps in the legal and institutional framework for digital financial services and the barriers that contribute to financial exclusion.

Autorentext

Ogochukwu Monye is a technology law specialist with expertise in digital financial inclusion. She is a senior law lecturer at the University of Benin, Nigeria with a well-rounded experience in research, litigation, consulting, government and advocacy roles. She holds an LLB from the University of Nigeria, an LLM from the Queen Mary University of London, and a PhD from the University of Cape Town, South Africa. Her research published in journals, book chapters and technical reports traverses access to finance, Fintech, consumer protection, digital inclusion and gender bias, recourse mechanisms, data privacy, telecommunications law, regional trade in Africa, e-health and IP, clean energy transition and e-commerce. She also researches the opportunities and challenges around emerging technologies including peer-to-peer lending, cryptocurrency, CBDCs, API, blockchain, artificial intelligence, Internet of Things and digital identification.

Inhalt

1. Introduction 2. Financial Inclusion in the Context of Law and Development 3. Regulation of Digital Financial Services 4. Dislodging the Barriers to Accessing Financial Services in Nigeria 5. Rural Digital Financial Exclusion- Community Case Study (Ubulu-Uku, Nigeria) 6. Emerging Technology and Implications for Financial Inclusion