. This paper studies the evolution of the mobile banking regulations in five zones (Kenya, South Africa, Philippines, India …

addition to whatever “money services” or “money transmission” prudential regulation the States or federal government may adopt …

regulation of financial markets continues to be necessary in spite of the changes in the financial structure brought about by … technology, and what sort of approach to regulation is better suited to this new environment, particularly in consumer and …

selected other countries. We document how changes in the ATM market regulation and market structure has decoupled the ATM … network size from the declining cash use in Finland. The Finnish regulation has almost exclusively focused on foreign fees …, while in general it would be better to regulate interchange fees. If the optimal fee regulation is not feasible, the …

optimal regulation. We use the model to analyze an actual regulation of such a market by competition authorities in Finland … Ramsey regulation. While the Finnish regulation pushes the foreign fee downwards towards its socially optimal level, the … regulated fees are likely to remain too high from the welfare point of view. In contrast with the actual regulation, it would be …

. The authors construct an index that measures the existence of laws and regulation that support mobile banking activity for … laws and regulation in supporting mobile banking. The analysis finds that a supporting regulatory framework is associated …