The International Financial Consumer Protection Organisation (FinCoNet) is an international organisation of supervisory authorities which have responsibility for financial consumer protection. FinCoNet promotes sound market conduct and strong consumer protection through efficient and effective financial market conduct supervision.

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2017/2018 programme of work


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Digitalisation of short-term, high-cost consumer credit

FinCoNet Report on the Digitalisation of Short-Term, High-Cost Consumer Credit

‌This report represents the output of a detailed survey of supervisors in 25 jurisdictions on the Digitalisation of Short-term High-cost Consumer Credit, undertaken in March 2017, as well as a review of international literature published on this topic to date. It forms part of FinCoNet’s continuing work on responsible lending and on digitalisation, building on FinCoNet’s previous published reports on those topics. Based on the findings of this Report, FinCoNet has identified a number of topics that are particularly relevant for supervisors to consider in their design of a responsible lending regime in relation to the digitalisation of short-term, high-cost consumer credit.



Online and mobile payments: An overview of supervisory practices to mitigate security risks

Online and mobile payments: An overview of supervisory practices to mitigate security risks

The Report sets out a range of conduct of business supervisory practices or initiatives that are being implemented across jurisdictions to mitigate the security risks arising in the digital context.

The Report, which is based on responses to a detailed questionnaire conducted among jurisdictions in 2017, includes quantitative analysis of the responses received, specific examples of supervisory practices adopted by respondents and a number of key takeaways relating to the challenges identified.

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