Addressing competition bottlenecks in digital financial ecosystems

Abstract

Despite some early success, the mobile money sector’s future
remains unclear. In some markets, few dominant players have managed
to grow significantly. Their dominant position often reduces
incentives to lower prices or even hampers the ability of other
players to compete. This paper offers a framework to help policy
makers, regulators and the financial inclusion community to think
about anti-competitive behaviours in digital financial ecosystems,
and ways to address these bottlenecks without
stifling market growth.