Jonathan is a Digital Financial Inclusion Fellow at Oxford University. His scholarship lies in the intersection of law and economics. Jonathan focuses on regulatory issues that arise in digital financial services and financial inclusion. His work also covers the regulation of banking and payments systems in developing countries.

Jonathan has particular expertise in ‘mobile money’, which is a transfer and custody service provided by mobile phone companies in developing countries. The most famous mobile money service is ‘M-Pesa’ in Kenya, which has over 12 million active customers. 

He has delivered lectures on these topics in Europe, Asia, and Africa. His work has been supported through funding from Oxford, Harvard, the University of New South Wales, and the Centre for International Finance and Regulation in Australia. 

Jonathan is a lawyer by background. He has provided legal advice to the United Nations, Asian Development Bank, and regulators in Africa and the Pacific. He is a member of the United Nations' Pacific Roster of Experts.

Jonathan obtained a Masters in Law and Finance, and is currently completing a PhD in Law, both at Oxford University.


Displaying 1 - 11 of 11. Sorted by year, then title.
Filter by
  • 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