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Blog Series

Platform-Based Finance: Regulatory Challenges and Solutions

Big tech platforms from Facebook and Amazon to Alibaba and Tencent are reshaping economies around the world. Increasingly, they are showing interest in entering the financial services space. While platform-based finance has significant potential to accelerate financial inclusion in emerging markets, it also poses considerable risks. In this blog series, CGAP experts in policy and regulation delve into the financial inclusion potential of platform-based finance and the three main areas where it poses regulatory challenges: data protection, competition and regulatory coordination.

Woman uses platform app on mobile phone
Blog
13 April 2022

Regulating Platform-Based Finance: Seeing the Big Picture

The scale and scope of platform-based finance extends beyond the powers of a single regulator – cooperation across agencies will be essential.
Social media user
Blog
29 March 2022

Platform-Based Finance: How Can Regulators Preserve Competition?

As big tech platforms enter the financial services space, they could potentially undermine competition in ways that set back financial inclusion. How can regulators preserve healthy competition and harness the potential of platform-based finance?
A delivery driver checks his delivery service platform in Lagos, Nigeria.
Blog
01 March 2022

Platform-Based Finance: Are Regulators Up to the Data Protection Task?

As big techs and other platforms ramp up their financial service offerings in emerging markets, regulators can look at developments in advanced economies to get a glimpse into the data protection issues they will need to consider.
Woman using tablet
Blog
23 February 2022

3 Regulatory Challenges Posed by Platform-Based Finance

Between the global big techs and the local unicorns, platforms will soon be a major force in financial services if they are not already. Here are the three main sets of challenges they pose for regulators.

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