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"This book is an invaluable resource for understanding the developmental dynamics that create financial exclusion, particularly in emerging economies. It also serves as a rich toolkit for tackling a specific law-and-policy environment to shape it into a financially inclusive one. Finally, it readily commends itself as a handy reference book for a variety of actors in the financial services space, including researchers, lawyers, policymakers, corporate leads, fintech practitioners, students and other friends of financial inclusion." — Professor Ada Ordor, Director, Centre for Comparative Law in Africa, Faculty of Law, University of Cape Town

"Using refreshing insights from Africa, (her home region) Asia and Latin America, this study is truly lateral thinking in the service of financial inclusion. The case studies are a rich mixture of eleven jurisdictions and nine emerging technologies, mixing law, finance, technology, regulatory and social policy. Those of us struggling through the 21st century financial, economic and social crises from a perspective frequently dominated by the orthodoxies and controversies of the rich economies should take note of the sheer eclecticism of Ogo Monye’s thinking. Truly innovative thinking." — Robin Simpson, an old consumer war horse and consultant to UNCTAD with decades of experience garnered at the Consumers International, World Bank, OECD, ISO and UK National Consumer Council.

"The Covid-19 pandemic exposed our economic and digital inequalities thus creating impetus to centre inclusion in our digital and financial development goals. This work by Dr. Ogochukwu Monye outlines financial inclusion in a digital landscape as well as emphasizing the importance of mainstreaming inclusion in policy and regulatory frameworks for digital economies." — Onica N. Makwakwa, Head of Africa Region, Alliance for Affordable Internet (A4AI)

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