Types of Research
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In Sub-Saharan Africa, 12% of adults now report having a mobile money account, representing over a quarter of the share of those who have any kind of financial account at all. As mobile money expands, there is interest in how regulatory frameworks develop to support digital financial services (DFS) and also support broader financial inclusion. In theory, protecting consumers from risk, and ensuring that they have the information and understanding required to make informed decisions, may increase their confidence and trust in mobile money systems, leading to higher adoption and usage rates. However, consumer protection regulations may also carry certain trade-offs in terms of cost, usage, and innovation. The challenge, according to proponents of consumer protection, is to develop regulations that promote access and innovation, yet still offer an acceptable level of consumer protection. We review the literature on consumer protection institutions and regulatory documents for DFS (particularly mobile money) in 22 developing countries, and identify examples of specific consumer protection regulations relevant to mobile money in each country.
This research brief synthesizes evidence on the effects of policy incentives on agricultural productivity. The evidence discussed is primarily drawn from documents provided to EPAR by the Bill and Melinda Gates Foundation. We review the role of policy and institutions in the Asian Green Revolution, a detailed case study on how policy changes have removed smallholder productivity constraints and contributed to growth, and the theory on the connection of policy incentives to productivity growth.