Refers to the enabling digital structures, facilities, ecosystem and capabilities surrounding the provision of FinTech/DFS, but can be more widely applicable beyond financial services. For the purposes of this study, this might typically include infrastructure related to identity (e.g. digital identity initiatives), data analytics and sharing, credit information and/or payment systems and risk mitigations. While these may be directly or indirectly relevant for the regulation and supervision of FinTech/DFS, not all of these may be under the remit or influence of financial regulators.