December 10, 2019 Digital Literacy: To Read And Write In Mobile Mobile money technology allows people to receive, send, store, and spend money directly from their cell phones. There
November 27, 2019 Data Sovereignty: Threading The Regulatory Needle Every move we make in cyberspace leaves a digital footprint. The emerging area of Data Sovereignty asks: in
November 06, 2019 Removing The Risk From Bank-Fintech Partnerships It's a worldwide phenomenon: instead of competing in a zero-sum game with emerging fintech firms, banks are forming
October 29, 2019 Brazil: Digital Finance at the Speed of Light Less than a decade after the first startups began to challenge the traditional banking ecosystem in Brazil, growth
October 08, 2019 Digital Banking in Asia: How to Regulate a Revolution Since 2014, digital banking penetration has increased by between 1.5- and 3-fold across emerging markets in Asia.
August 27, 2019 Payments Banks: Nigeria Takes A Page From India Since it was rebased in 2014, Nigeria’s economy overtook South Africa’s as the largest in Africa.
June 25, 2019 Ethiopia: Time To Do Or Die? Ethiopia just might be the sleeping fintech giant of East Africa. Aside from being home to a population
June 09, 2019 Regulatory Sandboxes: Worthwhile In Developing Countries? The predecessor of the regulatory sandbox first appeared in 2012, when the Consumer Financial Protection Bureau (CFPB) inaugurated
April 16, 2019 Mondato Summit Africa 2019: Scaling DFC Innovations Last week in Johannesburg’s picturesque Summer Place in Sandton, a group of about one hundred executives, entrepreneurs,
March 12, 2019 Amazon And Flipkart: Kiss Indian E-Commerce Goodbye? The offline world has rarely ushered in the online world with grace. In all fairness, few welcome change
February 12, 2019 Credit Bureaus: Resting On Their Laurels? With the advent of alternative data, many lenders in emerging markets have side-stepped the barren vaults of Credit
December 13, 2018 Mondato Summit Asia 2018: The Next Wave Of Digital Services In Emerging Asia Mondato selected the bustling urban jungle of Jakarta, Indonesia as the location for the fifth annual digital finance
October 09, 2018 Solving The Skills Gap In Digital Financial Services Digital financial services are proliferating around the globe. The specialized skills needed to thrive in the industry, however,
September 11, 2018 Data Localization: Consumer Protection Or Power Grab? Over the past twelve months, through a combination of regulatory intervention (think GDPR) and private company snafus (think
August 14, 2018 Are Some Markets Immune To The X-Pays' Advance? Apple's recent earnings call grabbed a lot of headlines, and the resulting momentum has nudged the company towards
July 03, 2018 Central Bank Digital Currencies Bitcoin hasn't even celebrated its 10th birthday, and yet in that short space of time cryptocurrencies have gone
June 12, 2018 Digital Adoption: The Black Swan Theory Until the 17th century, the term “black swan” was used to describe something that didn’t exist -
April 10, 2018 The Ethical Boundaries Of "Digital Oil" Like storm clouds on the horizon that blissful sunbathers choose to ignore, the data privacy crisis swirling around
February 06, 2018 Do Bank-Led Models Stall Progress? Although the dichotomy of bank-led and mobile network operator-led (henceforth referred to as MNO-led) mobile money regulatory approaches
January 30, 2018 Chilly Winds Of Change For Banks? Even before the election of President Donald Trump foretold the passing of a tax reform act that would
December 19, 2017 Is Fintech Challenging the Payday Loan Industry? If there is a sub-section of the finance industry that is less well-loved than Wall Street banks, it
December 05, 2017 Data Protection In Europe: GDPR Looms Target, Sony, Yahoo, Equifax, Uber. The names read like a rogues' gallery of big companies that have fallen
October 03, 2017 Is Your Country Ready To Go Cashless? As Mondato Insight has often discussed in a variety of contexts, there are two fundamental requirements for any
August 22, 2017 What Do We Want? Instant Payments! When do we want them...? Instantly! What do we want? Instant payments! Why do we want them? Because