Competition and Digital Financial Services

Date Published: 
Apr 2019
Ariadne Plaitakis

These working papers investigate competition issues in digital financial services (DFS), providing both a survey of the main issues at each step of the DFS value chain as well as going in depth on topics such as digital data and credit card interchange fees. Drawing on both experience and research, these papers provide regulators and stakeholders alike a solid framework for understanding how competition policy, regulation and behavior by market players can affect the level playing field of DFS in emerging markets.

The working papers were prepared by BFA and supplement the official and peer-reviewed CGAP report on competition issues in DFS.


This work was funded in whole or in part by CGAP. Unlike CGAP's official publications, it has not been peer reviewed or edited by CGAP, and any conclusions or viewpoints expressed are those of the authors, and they may or may not reflect the views of CGAP staff.