معرفی
Joy Malala is an Assistant Professor at the School of Law, University of Warwick, serving as Co-Coordinator of the Multicultural Scholars Programme and a UG Wellbeing Tutor. Her expertise lies at the intersection of financial regulation, FinTech, and consumer protection law, with a focus on developing economies. She holds a PhD and has conducted extensive research on mobile payment systems, digital financial inclusion, and anti-money laundering frameworks.
Her research critically examines the socio-technical dynamics of financial innovation in Africa, particularly Kenya's M-Pesa system. She explores how digital platforms reshape economic participation while addressing issues of regulatory capture, labor rights, and epistemic justice in global knowledge production. Malala's work bridges legal scholarship with grassroots socio-economic realities, advocating for decolonized narratives in FinTech discourse.
Malala has authored monographs including *Law and Regulation of Mobile Payment Systems* (2017) and co-edited *The Home in the Digital Age* (2021). Her recent scholarship critiques the extractive nature of Western-led FinTech narratives and emphasizes centering marginalized voices in regulatory frameworks. She actively engages with policy debates on digital identity systems, deposit protection schemes, and the ethical dimensions of algorithmic labor platforms.
