Digitalisation presents enormous opportunities for financial inclusion of the 1,7 billion financial excluded adults around the world. Public policy and regulatory environment provides the foundation for such opportunities to materialise at the required scale. The African continent is in the centre of this conversation. For digital disruption and opportunities to work for the poor, many policy and regulatory challenges need to be addressed. Although every day, new success stories emerge there is no “one size fits all” approach. Regulatory “sandboxes” have emerged as a powerful tool that allows public and private sector to jointly test approaches and solutions and optimise policy making and regulatory frameworks.