Digital Financial Services

Financial services provide opportunities often taken for granted in developed countries, including the ability to readily make payments, save and invest for the future, insure against misfortune and borrow to grow one’s business.

However, in developing countries around two billion people lack financial services. In most of these countries, more people have a mobile phone than a bank account. Innovators are making use of this unprecedented access to affordable technology to deliver digital financial services (DFS) to the previously unbanked at an impressive rate.

The UNSW Digital Financial Services Research Team is conducting in-depth and pioneering research into the regulation of digital financial services with support from the Australian Research Council (ARC) and the United Nations Capital Development Fund.


This project is being undertaken by the world’s first and, we believe, only university-based research team delving into the regulation of digital financial services and FinTech.

For a detailed summary of the project, please CLICK HERE

For an overview of our Regulatory Diagnostic Toolkit for this project, please CLICK HERE

For a full list of our project's outputs please CLICK HERE