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This chapter provides a comprehensive examination of financial technology (fintech) and its transformative role in promoting financial inclusion across developing economies. It reviews key innovations such as mobile money, blockchain technology, and regulatory sandboxes, and evaluates their impact on traditional financial services, financial stability, and economic growth. Using case studies from Africa and emerging markets, the chapter highlights how mobile financial services have empowered underserved communities, especially among women and low-income populations, to access banking services. Additionally, it discusses regulatory responses such as the Second Payment Services Directive (PSD2) and Anti-Money Laundering (AML) guidelines, emphasizing the role of RegTech in compliance and risk management. This analysis integrates insights from diverse sources including global reports, journal articles, and market analyses to outline the challenges and opportunities of fintech in fostering financial ecosystems that are resilient, inclusive, and adaptable to the evolving digital landscape. The findings underscore the importance of collaborative, forward-thinking policy approaches to harness fintech’s full potential in advancing financial inclusion while mitigating associated risks.

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Creating Enabling Fintech Ecosystems Across the Continent: The Role of Regulators

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  • 发表日期：

    2025年

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  • Konstantinos Tsanis,
  • Segun Aina,
  • Timilehin Olasoji Olubiyi

摘要

This chapter provides a comprehensive examination of financial technology (fintech) and its transformative role in promoting financial inclusion across developing economies. It reviews key innovations such as mobile money, blockchain technology, and regulatory sandboxes, and evaluates their impact on traditional financial services, financial stability, and economic growth. Using case studies from Africa and emerging markets, the chapter highlights how mobile financial services have empowered underserved communities, especially among women and low-income populations, to access banking services. Additionally, it discusses regulatory responses such as the Second Payment Services Directive (PSD2) and Anti-Money Laundering (AML) guidelines, emphasizing the role of RegTech in compliance and risk management. This analysis integrates insights from diverse sources including global reports, journal articles, and market analyses to outline the challenges and opportunities of fintech in fostering financial ecosystems that are resilient, inclusive, and adaptable to the evolving digital landscape. The findings underscore the importance of collaborative, forward-thinking policy approaches to harness fintech’s full potential in advancing financial inclusion while mitigating associated risks.