Philip Rowan

Philip joined CGAP in June 2014 as a Finance and Private Sector Development Analyst, on secondment from the UK's financial regulator, the Financial Conduct Authority (FCA). His work at CGAP focused on exploring how effective competition, and improved competition policy, can drive financial inclusion.

At the FCA, Philip leads their Innovation Hub’s international initiative, which works to promote innovation and competition in financial services to the benefit of consumers. Prior to this Philip worked in the FCA’s Chief Economist's Department, providing economic analysis for policymaking, undertaking economic research on areas such as behavioural economics and working to promote competition in UK financial markets. He has also undertaken a secondment to the UK's competition authority, the Competition and Markets Authority (CMA), where he worked on the joint FCA/CMA competition market study on SME banking. Philip has also worked in the Supervision, Financial Crime and CEO's Offices at the FCA.

Philip holds an MSc in Economics for Development from the University of Oxford and a BSc in Economics from the University of Warwick, including a year spent studying economics at the Sorbonne in Paris. Philip also speaks French and German.

By Philip Rowan


Competition in Mobile Financial Services: Lessons from Kenya & Tanzania

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.

Regulation and Innovation: Hand in Hand?

The United Kingdom's Financial Conduct Authority just launched a new approach to dealing with the natural tension between consumer protection, innovation, and ensuring financial inclusion. Project Innovate is the UK's answer to supporting innovation where it could genuinely improve the lives of consumers.

Price Sensitivity and the New M-Pesa Tariffs

M-Pesa recently reduced its fees on person-to-person mobile money transfers. How will these price changes affect usage?