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Competition in Financial Services: Three Country Paths, One Bigger Question

While access to finance has grown, market concentration and high costs remain. Brazil, India, and the UK prove that when financial regulators prioritize competition through policy, they can lower prices and improve variety for all consumers.

Six Ways Open Finance Can Drive Competition and Inclusion

Open finance can make financial markets more inclusive and competitive, but only if designed intentionally. CGAP highlights six policy levers to ensure it benefits low-income and underserved people.

RDFE Lessons From the UK's Open Banking Journey

The UK’s open banking approach demonstrates how digital finance can be harnessed responsibly to promote innovation and competition while safeguarding consumers and their data, aligning well with CGAP’s Responsible Digital Finance Ecosystem framework.