- Louise Malady
Senior Research Fellow
M. App Fin, B.A. (Hons Ec)
I have more than 15 years of financial regulatory experience both as a frontline regulator and in public policy development and research. I have a particular focus on improving regulatory environments for mobile banking in emerging economies to drive greater financial inclusion and developing payments systems infrastructure to achieve greater safety and efficiency in the operation of payment systems. I have advised regulators, banks, financial institutions and mobile network operators on the financial regulatory issues associated with mobile banking.
I am currently working on a research project on the regulation of mobile money in emerging economies. The research project focuses on key legal and regulatory issues for mobile money including the protection of customers' funds, legal and regulatory considerations associated with the use of agents, implications of FTAF's AML/CFT measures on mobile money and a financial regulator's role in building and understanding consumer demand in mobile money. Focus countries include: Brazil, Ghana, India, Indonesia, Kenya, Malawi, Malaysia, Papua New Guinea and Tanzania.