External publications

From FfD4 commitments on digital finance to concrete policy action

Sommer, Christoph / Albert Nsengumuremyi / Anna Mader / Oliver Mußhoff
External Publications (2025)

published on blogs.idos-research.de, 26.06.2025

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The Compromiso de Sevilla, the outcome document of the 4th Financing for Development Conference (FfD4) highlights the importance of digital technologies for financial inclusion. It outlines three central insights – concerning financial inclusion, consumer protection and regulations, and competition rules – that provide general guidance for policy-makers with regard to digital finance. These considerations point in the right direction as they adequately reflect the fine line between maximising benefits from access to digital financial services (DFS) and mitigating negative, unintended consequences. However, they are too abstract to serve as a blueprint for governments and for regulatory and supervisory authorities on how to navigate the complexities of digital finance. This blog post aspires to translate the general commitments of FfD4 into concrete measures and policies that foster the potential of DFS for financial inclusion, address challenges for consumers, and deal with platformisation and monopolies.