This working paper aims to provide insights on the role that effective competition and competition policy play in developing MFS, and in turn promoting financial inclusion using Kenya and Tanzania as case countries.
This Technical Guide is designed to enable policy makers with jurisdiction over market conduct issues, consumer protection organizations, and development agencies to conduct mystery shopping exercises.
For people in sub-Saharan Africa getting by on $2-$5/day, on the cusp of poverty but not yet secured in Africa’s middle class, are economic challenges more easily weathered in formal or informal markets?
Mobile money and banking agents blend seamlessly into the daily economic lives of consumers in countries like Kenya and Uganda, offering convenience and expanding access points to financial services. But agent exclusivity clauses can limit customers' choices.