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Mesbah Sharaf

Mesbah Sharaf

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Can countries replace SWIFT? Evidence from Russia suggests not easily

Can countries replace SWIFT? Evidence from Russia suggests not easily

Cut off from the world’s main financial messaging system, Russia turned to a domestic alternative. But research shows it fell far short of replacing...

29.03.2026 10

The Conversation

Mesbah Sharaf

Digital payments can expand financial inclusion — but only under the right conditions

New research shows that digital payment technology does not always increase financial inclusion for everyone.

06.01.2026 20

The Conversation

Mesbah Sharaf