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ITU-T Focus Group Digital Financial Services
Technology, Innovation and Competition
VII Competition Aspects of Digital Financial Services
About this report
This technical report was written by Leon J. Perlman, PhD.
The author would like to thank members of the ITU Focus Group Digital Financial Services Technology,
Innovation and Competition (TIC) Working Group for their substantive and constructive comments on early
drafts. In particular, Ariadne Plaitakis of Mondato (who also contributed to Annex A of the report); Lara Gidvani
of the GSM Association; Jakirul Islam of Microsave Bangladesh; Abdul Musoke of the Uganda Communications
Commission; Rory McMillan of Macmillan Keck; Amol Kulkarni of Consumer Unity & Trust Society India; and
Vijay Mauree of the ITU. A number of market participants, analysts, and regulators in other digital financial
services (DFS) focus groups (FG) and working groups (WGs) also provided comments.
All citation links were checked for validity in February 2017.
If you would like to provide any additional information, please contact Vijay Mauree at tsbfgdfs@itu.int
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