Jonathan is a Digital Financial Inclusion Fellow at Oxford University. His research examines the regulation of fintech in Africa and other developing regions of the world. His current research focuses on the regulation of mobile money in Kenya.  

Jonathan has delivered lectures on fintech in Europe, Asia, and Africa. His work has been supported through funding from the United Nations Capital Development Fund (UNCDF), Oxford University, Harvard University, the University of New South Wales, and the Centre for International Finance and Regulation in Australia. 

Jonathan has provided legal advice on fintech to the UNCDF, World Bank, and central banks in Africa and the Pacific. He is a member of the United Nations' Pacific Roster of Experts.

Jonathan has bachelor degrees in Arts and Law, and a Masters in Law and Finance from Oxford University. Jonathan also has a Phd in Law from Oxford University


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  • David Ramos, Javier Solana, Ross Buckley and Jonathan Greenacre, 'Protecting Mobile Money Customer Funds in Civil Law Jurisdictions' (2016) International & Comparative Law Quarterly
  • Ross Buckley, Jonathan Greenacre and Louise Malady, 'The Regulation of Mobile Money: A Case Study of Malawi' (2015) Global Studies Law Review
  • Jonathan Greenacre, 'The Roadmap Approach to Regulating Digital Financial Services' (2015) Journal of Financial Regulation
  • Jonathan Greenacre, 'Independent Regulators in Low-Income Banking Markets: A Bridge Too Far?' (2013) Banking and Finance Law Review
  • Jonathan Greenacre, 'The Rise of Mobile Money: Regulatory Issues for Australia' (2013) Journal of Applied Finance
  • Jonathan Greenacre and Ross Buckley, 'Using Trusts to Protect Mobile Money Customers' (2013) Singapore Journal of Legal Studies
  • Jonathan Greenacre, 'Can Retail Banking Regulation from Developed Markets Regulate Micro-finance Institutions?' (2011) International Trade and Business Law Review
  • Jonathan Greenacre and Thomas Chui, 'Chinese Investment in Australian Resources Companies: A Time for Reason, Not Fear' (2009) International Trade & Business Law Review
  • Jonathan Greenacre, 'Welcome to the Digital Age: Mobile Phones and Micro-finance' (2009) Gitam Journal of International Trade
  • Jonathan Greenacre, 'The Challenges of Transplanting Electoral Laws from Established to Fledgling Democracies' (2007) LawASIA
  • Jonathan Greenacre, 'The Continuing Rise of the Implied Term of Mutual Trust and Confidence' (2007) Employment Law Bulletin


Research Interests

Banking, payments, mobile money, and digital financial services.

Research projects