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Mobile technology offers an innovative and cost-effective channel
for delivering a range of financial services, including mobile
payments. In some jurisdictions, mobile payments simply provide a
convenient option for facilitating payment transactions. In other
jurisdictions, mobile payments are viewed as potentially
transformative because they present an opportunity to expand access
to financial services. However, as with other innovations, mobile
payments raise consumer protection concerns and require robust
regulatory mechanisms to address such concerns. Against this
backdrop, the book adopts a typology of consumer policy tools which
can be used to address the identified consumer concerns. This
typology guides the enquiry into the existing consumer protection
frameworks applying to mobile payments in selected jurisdictions
(Canada, Kenya, and the United Kingdom). The main objective of this
endeavour is to identify best practices that national authorities
seeking to leverage mobile payments and similar innovations can
emulate. This book will be of interest to policymakers, regulators,
industry stakeholders, students and scholars interested in the
regulation of innovative financial services, particularly from a
consumer protection perspective.
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