This book investigates the regulation and promotion of financial inclusion and provides a comparative analysis of the regulation, promotion and enforcement of the relevant laws in the SADC (in particular, South Africa, Namibia, Botswana and Zimbabwe), as well as the challenges of financial inclusion. In turn, it evaluates financial inclusion in the context of specific challenges faced by unbanked and underbanked customers, who are easy targets for cyber criminals because they tend to have lower levels of digital literacy. The book presents novel discussions that identify the challenges and flaws associated with the enforcement of financial inclusion laws and related measures intended to promote financial inclusion in the SADC region. This is primarily done in order to reveal the current strengths and weaknesses of financial inclusion laws in relation to certain aspects of the companies, securities and financial markets in the region. For example, there is no commonfinancial inclusion instrument/law that is effectively and uniformly applied throughout the SADC. This has impeded the enforcement authorities' efforts to effectively combat financial exclusion across the region.The book is likely the most comprehensive study to date on the regulation and promotion of financial inclusion in the SADC region and fills a major gap in SADC and African legal jurisprudence. As such, it offers a valuable asset for policymakers, attorneys, bankers, securities (share) holders, and other market participants who deal with financial inclusion, as well as undergraduate and graduate students interested in the topic.

Deals with financial inclusion from a law and economics perspective Written from a regional perspective Incorporates developments around covid-19 on the realisation of financial inclusion

Autorentext

Howard Chitimira is a full Professor of Law and Research Professor at the Faculty of Law, North-West University. He is also an advocate of the High Court of South Africa and a National Research Foundation (NRF) rated legal scholar. Prof Chitimira holds the degrees Bachelor of Laws (LLB) (Cum Laude) from the University of Fort Hare (UFH); Master of Laws (LLM) from UFH and Doctor of Laws (LLD) from the Nelson Mandela Metropolitan University (NMMU). For his doctorate, he specialised in securities and financial markets law. Prof Chitimira is a reviewer and editorial board member of several law journals in South Africa and elsewhere, as well as an external examiner for LLB, LLM and LLD degrees at several universities. He serves on editorial boards of journals and a member of several academic and related associations.
**Tapiwa Victor Warikandwa** holds a Doctor of Laws in International Trade Law. He is a Senior Lecturer and Head of Department inthe Faculty of Law at the University of Namibia. He specialises in International Trade Law, Labour Law, Indigenisation Laws, Mining Law and Constitutional Law amongst other disciplines. Prior to coming to Namibia, Dr. Warikandwa worked as a legal officer and later legal advisor in the Ministry of Public Service Labour and Social Welfare in Zimbabwe. Key amongst his duties was legal drafting. Dr Warikandwa worked with the law reviser of the Ministry of Justice in Zimbabwe in reviewing laws administered by the Ministry of Public Service Labour and Social Welfare. Dr Warikandwa also completed an ordinary and advanced training in Labour Law Making at the International Labour Organization's International Training Centre in Turin Italy. On numerous occasions, Dr. Warikandwa was actively involved in the activities of the Cabinet Committee on Legislation on behalf of the Ministry of Public Service Labour and Social Welfare.

Inhalt
Financial Inclusion as an Enabler of United Nations Sustainable Development Goals in the 21 ST Century: An Introduction.- Towards an International Financial Inclusion Strategy, Institutional Frameworks and Enforcement: Setting Regulatory Benchmarks for the SADC Countries.- Facilitating Financial Inclusion Through the Development of a Decentralised Cryptocurrencies' Regulatory Regime in South Africa, Zimbabwe and Botswana.- The Role of Corporate Directorship in Financial Inclusion within Selected SADC Countries.- Financial Inclusion and Persons Living with Disabilities in Zambia: Reality versus Rhetoric.- The Prospects and Challenges for Mobile Money Regulation and the Promotion of Financial Inclusion in Zimbabwe.- Land Reform and Financial Inclusion Challenges in South Africa.- Exploring Digital Financial Inclusion Strategies for Urban and Rural Communities in Botswana, Namibia, South Africa and Zimbabwe.- A 'Social Justice' Movement in the Banking Industry? Banking, Competition and Financial Inclusion in South Africa with Insights from Zimbabwe.- Intra-African Trade and the AFCFTA: A Law and Economics Perspective.- Retirement Funding and Financial Inclusion in South Africa: A Contrary Policy Approach.- Mobile Fin-Tech Ecosystem Shaping Financial Inclusion in Zimbabwean Banking and Financial Services Markets.- Financial Inclusion Challenges and Prospects during the COVID-19 Pandemic: Insights from Botswana, Namibia, South Africa and Zimbabwe.- Financial Inclusion and the Small-Scale Fisheries Sector in Namibia: A Contemporary Legal Perspective.- Barriers to Integrating Financial Inclusion for Coastal Small-Scale Fishermen into Namibian Fisheries Policies and Regulatory Frameworks.- Policy and Regulatory Frameworks for Financial Inclusion in South Africa, Botswana, Namibia and Zimbabwe.