As digital financial services expand, market dominance by a few key players—such as mobile money operators, banks, and technology firms—has created challenges that limit financial inclusion. Supported by the Gates Foundation and co-led by AFI and UNCDF, the Competition Knowledge Enablers Exchange (CKX) brings together regulators, policymakers, and experts to promote healthy competition in financial services, and to provide AFI members with the knowledge, resources, and collaborative space needed to address competition imbalances and develop effective policies.
What CKX Offers
Knowledge Exchange: A space for regulators and experts to share insights, case studies, and best practices on competition in financial services.
Policy Development Support: Guidance on regulatory pathways and competition enablers that drive financial inclusion.
Capacity Building: Training programs and technical assistance to strengthen the ability of central banks and financial authorities to address competition challenges.
Collaboration & Stakeholder Engagement: Bringing together regulators, competition authorities, and industry players to create balanced, market-driven solutions.
Policy Development Support: Guidance on regulatory pathways and competition enablers that drive financial inclusion.
Capacity Building: Training programs and technical assistance to strengthen the ability of central banks and financial authorities to address competition challenges.
Collaboration & Stakeholder Engagement: Bringing together regulators, competition authorities, and industry players to create balanced, market-driven solutions.
By fostering a fair and dynamic financial ecosystem, CKX aims to enhance financial inclusion and economic empowerment in emerging markets.
Membership
CKX comprises an initial pilot of 15 AFI member institutions championing committed to fostering fair and competitive financial markets.
Current members include:
| Country | Member Institution |
| Bangladesh | Central Bank of Bangladesh |
| Brazil | Banco Central do Brasil |
| Fiji | Reserve Bank of Fiji |
| Ghana | Bank of Ghana |
| Kenya | Central Bank of Kenya |
| Mozambique | Banco de Moçambique |
| Pakistan | State Bank of Pakistan (SBP) |
| Peru | Superintendency of Banking, Insurance and AFP ( SBS ) |
| Philippines | Bangko Sentral ng Pilipinas |
| Rwanda | National Bank of Rwanda |
| Seychelles | Central Bank of Seychelles |
| Sri Lanka | Central Bank of Sri Lanka |
| Tanzania | Bank of Tanzania |
| Uganda | Bank of Uganda |
| Zimbabwe | Bank of Zimbabwe |
Presentations from meetings