Rafe Mazer

Rafe Mazer is the Director of Fair Finance Consulting. He is a leading global voice on consumer protection and competition policy in digital financial services and the digital economy. For nearly 20 years he has brought the consumer’s perspective to product design and policymaking with governments and financial service providers in countries across Africa, Asia and Latin America.

His current work includes research and advisory support on open finance policy including liability frameworks, impact measurement, supervision and pricing models. As the first Director of IPA’s Consumer Protection Research Initiative, he developed a global research program and portfolio addressing digital consumer credit, pricing transparency, fraud and other emerging risks in digital economies.

Prior to his time at IPA, he was the director of a Kenyan consulting firm specializing in consumer protection policy, and before that led CGAP’s work on consumer protection and behavioral research for 7+ years. He is currently Director of Fair Finance Consulting, which provides consumer protection and competition policy expertise to a wide range of clients and partners globally.

Articles by Rafe Mazer

Guest Articles

Thursday
May 28
2026

David Porteous / Rafe Mazer

‘Deep Pockets’ vs. ‘Long Pockets’ in DPI: What Instant Payments and Open Finance Tell Us About Sustainable Funding for Digital Public Infrastructure

Digital public infrastructure (DPI) is gaining traction in emerging markets around the world. But as David Porteous at Integral: Governance Solutions and Rafe Mazer at Fair Finance Consulting explain, while the financial cost of building DPI may be modest, operating it at scale requires ongoing costs to be allocated across the ecosystem over time, making DPI sustainability fundamentally a governance issue centered on pricing policies. They explore how two of the three broadly accepted categories of DPI, instant payment systems and open finance, can develop credible mechanisms to finance long-term costs — while maintaining incentives for participants and trust among users.

Categories
Finance, Technology

Tags
digital finance, Digital Public Infrastructure, governance, public policy, regulations

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Rafe Mazer

Articles by Rafe Mazer

‘Deep Pockets’ vs. ‘Long Pockets’ in DPI: What Instant Payments and Open Finance Tell Us About Sustainable Funding for Digital Public Infrastructure