Thematic working groups
The forum is structured around thematic working group designed to enable focused policy discussions on key dimensions of digital finance and consumer protection.
Working group 1
Regulatory Navigation
Which Regulators for Which Consumer Challenges in Digital Financial Services?
This working group examines the regulatory landscape governing digital financial services, focusing on which authorities hold jurisdiction over specific consumer harms and how coordination gaps can be addressed to ensure effective protection.
Key Topics:
- Mapping regulatory mandates across DFS sectors (banking, payments, crypto, insurtech).
- Jurisdictional gaps and cross-border regulatory coordination.
- Consumer-facing enforcement mechanisms in digital finance.
- Role of regulators in emerging markets and developing economies.
Working group 2
Consumer Education & Experience
On "Traditional" Instant Payment Systems and Digital Financial Services — including UX/UI Design to Accelerate Consumer Education
This working group focuses on how consumer literacy and experience design interact within instant payment systems and digital financial services, and how UX/UI approaches can be leveraged to improve consumer understanding and safety.
Key Topics:
- Consumer financial literacy and digital onboarding best practices.
- UX/UI design standards that enhance transparency and informed consent.
- Instant payment system usage patterns and consumer trust barriers.
- Inclusive design for underserved and vulnerable consumer groups.
Working group 3
Crypto & Tokenised Assets
How to Improve Consumer Education, Risk Awareness and Protection
This working group addresses the rapidly evolving landscape of crypto assets and tokenised finance, exploring what consumer protection frameworks are needed to manage risk, improve risk awareness, and close education gaps in this sector.
Key Topics:
- Consumer risk exposure in crypto asset markets and tokenised platforms.
- Disclosure standards and investor education frameworks for retail consumers.
- Regulatory approaches to tokenised assets across jurisdictions.
- Balancing innovation incentives with effective consumer protection frameworks.
Working group 4
Redress Mechanisms
In Digital Financial Services for Domestic and Cross-Border Transactions
This working group examines how consumers can access effective dispute resolution and redress when things go wrong in digital financial services — both within domestic markets and across borders — and what systemic improvements are needed.
Key Topics:
- Domestic dispute resolution frameworks in digital financial services.
- Cross-border redress challenges: jurisdiction, enforcement, and recovery.
- Consumer access to redress in emerging markets — barriers and solutions.
- International cooperation mechanisms for cross-border consumer protection.