Patrick Meagher

Patrick Meagher works with CGAP’s Inclusive Markets Team on the regulatory dimensions of financial inclusion, particularly digital financial services. He has extensive experience in providing legal and policy advice related to microfinance and small enterprise credit. He also has worked on public sector governance, where he has analyzed the frameworks of accountability in regulatory bodies, national and local public administrations, and transitional governments in the wake of conflict. Patrick has worked in nearly all regions of the world and with a diverse array of agencies and governments. He has written articles that have appeared in publications on law, economics, public policy, and international development. He holds a Juris Doctor from Harvard Law School and degrees in philosophy and international relations.

By Patrick Meagher


The Use of Agents by Digital Financial Services Providers

Agents play a crucial role in lowering the cost of delivery to reach the unbanked and underbanked population. An increasing number of countries, especially emerging markets and developing economies, allow a diverse array of banks and nonbank institutions to distribute digital financial services through agents.

Risk-Based Customer Due Diligence: Regulatory Approaches

Regulators face a challenge in balancing policies on anti-money laundering and combating the financing of terrorism against their financial inclusion goals. This Technical Note provides guidance on using risk-based approaches to customer due diligence, with examples from around the world.

Basic Regulatory Enablers for Digital Financial Services

CGAP shows how an enabling regulatory framework that is based on four enablers has contributed to advancing digital financial services in 10 countries.

Regulatory Framework for DFS in Côte d’Ivoire

This diagnostic provides an analysis of the regulatory framework for DFS in Côte d’Ivoire, including its coverage, conducive features, and gaps and obstacles. The paper also offers recommendations on how to address these issues.