Competition Enablers Knowledge Exchange (CKX)

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 Enablers Knowledge 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.

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