DFS Observatory Publications

The Columbia Institute for Tele-Information has been operating a research project on Digital Financial Services since late 2015.  The project includes a research papers, conferences, webinars, and model laws on important topics within the Digital Financial Services field.  Another portion of the project includes a website with a database of global laws and regulations pertaining to Digital Financial Services.  This information is available at https://dfsobservatory.com.

• Papers on Digital Financial Services
  • Gurung, Nora. DFSO Focus Note: DFS in Nepal
  • Gurung, Nora and Leon Perlman.  Focus Note: The Role of Digital Financial Services in Humanitarian Crises Responses
  • Gurung, Nora and Leon Perlman.  Use of Regtech by Central Banks and its Impact on Financial Inclusion
  • Perlman, Leon.  Role of the Telecommunications Regulator in Digital Financial Services
  • Perlman, Leon.  Fintech and Regtech: Data as the New Regulatory Honeypot
  • Perlman, Leon.  The Digital Financial Services Primer
  • Perlman, Leon.  The Role of Central Banks in Digital Financial Services
  • Perlman, Leon.  The Role of Regulators in Competition-Related Matters in Digital Financial Services
  • Perlman, Leon and Michael Wechsler.  Mobile Coverage and its Impact on Digital Financial Services
  • Perlman, Leon and Nora Gurung.  Focus Note: The Use of eIDs and eKYC for Customer Identity and Verification in Developing Countries: Progress and Challenges
  • Wechsler, Michael, Leon Perlman, and Nora Gurung. The State of Regulatory Sandboxes in Developing Countries
• Model Memorandums of Understanding
  • Perlman, Leon.  Model Memorandum of Understanding Between the Central Bank of (the X-Country) and the Telecommunications Regulatory Authority of (the X-country)
  • Perlman, Leon.  A Model Crypto-Asset Regulatory Framework