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Dr Joy Malala is a Lecturer at Aston University Law School. She has a special interest in researching financial regulation and supervision, the legal accountability of regulators, corporate governance, as well as the regulation of financial innovation and technology.  She particularly researched the legal and regulation of mobile payment systems which she examines in her book, Law and Regulation of Mobile Payment Systems: Issues Arising ‘post’ Financial Inclusion in Kenya’. This book  addresses the legal and regulatory issues arising out of the introduction of mobile payments in Kenya and its drive towards financial inclusion. It considers the interaction between regulation and technological innovation with a particular focus on the regulatory tools, institutional arrangements, and government decisional processes through the assessment as a whole of Kenya’s regulatory capacity. It also addresses the vulnerabilities presented by technological innovation for consumers after financial inclusion. She moreover researches financial sector reform through the consideration of the role of Central banks, and systemically important financial institutions and their impact on emerging economies.