Cover; CONTENTS; ACKNOWLEDGMENTS; ABBREVIATIONS; 1 INTRODUCTION; 2 IMPLEMENTING DIGITAL FINANCIAL SERVICES IN THE PACIFIC; Fiji; Papua New Guinea; Samoa; Solomon Islands; Timor-Leste; Tonga; Vanuatu; 3 FINANCIAL REGULATION OF DIGITAL FINANCIAL SERVICES; Regulating the Use of Agents; Implementing a Flexible, Risk-based Anti-Money Laundering and Counter Financing of Terrorism Regime; Protecting Customers' Funds; Consumer Protection; Interoperability and Interconnections; 4 RECOMMENDATIONS; Building Consumer Trust; Improving Access by Strengthening Agent Networks