1. Dealing with Regulatory Oversight
Consideration for Enabling
Implementation and Protecting
Stakeholders

2.  Who can offer banking and payments services
on the mobile channel?
 Considerations in mobile channel: risk and
compliance i.e. transparency and transaction
limits, KYC, complexity etc in emerging markets
 Assessing potential incentives such as TAX/VAT
exemptions for mobile channel transactions to
encourage take up from both providers and end
users
 Working with regulators to provide sustainable
and commercially viable mobile banking &
payments services in emerging markets

3.  How do you maintain safety, consumer protection,
crime prevention and robust competition while
encouraging inclusion, innovation and keeping
costs down.
 What does risk based regulation mean?
 How do governments balance competing goals?
Inclusion KFC
protect the money cost
(credit, liquidity risk)