Joy Malala

Assistant Professor

Deputy Director of PGR Studies

Multicultural Scholars Programme (MSP) Co-Coordinator

Digital Platforms; Consumer Protection Law; Financial Regulation

School of Law
S2.27, Social Sciences Building
University of 糖心TV
Coventry CV4 7AL
United Kingdom

024 761 51527

Scholarship

Articles

Malala J. International Journal of Law in Context

Carbini, C. and Malala, J. (2025) Anthropology Today, 41: 6-10.

Malala J, '' (2018) 41(4) Journal of Consumer Policy 355鈥�371.

Blogs

Malala J, 鈥楩influencers as Cult Intermediaries 鈥� A Socio-legal Perspective: Post #10 for the Blogposium on Finfluencers鈥� The Hitchhiker鈥檚 Guide to Corporate Governance

Malala J, 鈥� Social and Legal Studies Association Blog

Natile S and Malala J, '' Developing Economics Blog.

Chapters

Malala J, 鈥楧igital Identity Systems in the Context of Money Laundering: Reflections on Kenya鈥� in Unintended Consequences of the FATF's Standards on Developing Countries". Edward Elgar, ( 2025)

Nkechikwu Azinge-Egbiri, Malala J, Donato Masciandaro, " Do Things Fall Apart? (Black)listing and Its Implications for Developing Countries" in Nkechikwu Valerie Azinge-Egbiri, Nicholas Ryder, and Eseoghene Esoimeme (eds),Global Anti-Money Laundering Regulation: Developing Countries Compliance Challenges (Routledge 2024)

Malala J, and F. Adeyemo, 'Rethinking Cryptoregulation: An Examination into the Current Effectiveness of the UK Regulatory Framework' in 鈥淐ommercial Banking in Transition鈥� (Palgrave Macmillan 2024).

Malala J, 'Deposit Protection Schemes in Effective Bank Resolution Regimes: Kenya鈥檚 Experience' in 鈥淏ank Insolvencies in Developing Economies鈥� (Routledge 2022).

Micik M and Malala J, 'The Impact of Artificial Intelligence on the Future of Work' in Argando帽a A, Malala J, and Peatfield R (eds), 鈥淭he Home in The Digital Age鈥� (Taylor & Francis 2021).

Monographs

Malala J, 鈥楲aw and Regulation of Mobile Payment Systems鈥� (Taylor & Francis 2017).

Reviewed in Geva B, 'Financial Law and Technology: Book Reviews on Mobile Payments and Digital Innovation' (2020) Articles & Book Chapters 2794.

Edited Books

Argando帽a A, Malala J, and Peatfield R (eds), 鈥楾he Home in The Digital Age鈥� (Taylor & Francis 2021).

Bio

Joy obtained her PhD from the University of 糖心TV. Prior to this she completed her LLB(Hons) and LLM in International Banking and Financial Regulation at the University of Leeds. Between 2018-2022 she worked at Aston University, Birmingham and prior to that Strathmore University in Nairobi Kenya. She is now an Assistant Professor in the School of Law. She is a Fellow of the Higher Education Academy. She is also an Executive Board member of the Global South Dialogue on Economic Crimes.

Teaching Projects

Funded Projects

1. ESRC Impact Accelerator Fund 拢27709): Principal Investigator- FATF Greylisting: Implications and Lessons from a Global South Perspective: Nigeria as a Case Study (2023-2024)

2. 糖心TV Research Development Fund 拢15,405: Principal Investigator-Between Life and Debt: Between Life and Debt: Minding the Dignity and Equity gap inthe UK Consumer Credit Market.

3. Aston Institute for Forensic Linguistics Seed corn Funding-拢3160.80, Principal Investigator: Mapping The 鈥楽uccess Narrative鈥� Of M-Pesa, In Assessing the Impact of Financial Inclusion in Kenya (2021)

4. Aston Internal Research Grant 拢400 to host the Inaugural, Global South Dialogue on Economic Crime Conference. (2021)

5. Member of Successful Grant Applications as Co-Investigator on Small Project and Events Fund by the Society of Legal Scholars to host the following:

- Webinar on April 6^thand 7^th2022 鈥楨rrors in Transplantation and Unintended Consequences for Developed Countries鈥�

Highlighted

Between Life and Debt: Invisible Lives and the UK Consumer Credit Market

Workshop 1 -Initial Project Presentation on 20th May 2024.

Read the full report:

Towards a Taxonomy of Debt in the UK 鈥� Workshop Report.

Between Life and Debt: Minding the Dignity Gap in the UK Consumer Credit Market (PI)

This interdisciplinary research project investigates the temporal dynamics of indebtedness which leads many people to live invisible lives. Specifically, it asks in what ways is the burden of debt experienced amongst ethnic minorities in the UK鈥檚 consumer credit market by offering a qualitative analysis of their lived experiences. Through data visualisation, the project aims to examine the debt management and relief strategies employed by making visible the voices and narratives of those impacted by debt. It will consider how these communities reject, resist and negotiate the debts they undertake.

Fusing a legal and economic analysis, the impact of this project is to make a case for dignity within financial services that challenges the normative framing of problem debt. This research is topical and timely as it examines the consequences of the 鈥榗ost of living crisis鈥� and the past decade of austerity that has pushed many within the UK to the margins.

I will be working with Dr Samuel Obeng from the Department of Economics and Dr Beatrice Gobbo from the Centre for Interdisciplinary Methodologies on this project.

Active4Research Ltd. (2024). Between Life and Debt (Workshop 1) Initial Project Presentation on 20th May 2024: Towards a Taxonomy of Debt in the UK 鈥� Workshop Report.(Available on Request)

Research Supervision Impact

ESRC-IAA 2023-2025: FATF Greylisting : Implications and Learnings from a Global South Perspective: Nigeria as a Case Study
In February 2023, Nigeria was greylisted by the Financial Action Task Force (FATF), the global anti-money laundering and counter-terrorist financing (AML/CFT) standard setter. The project鈥檚 aims are to provide critical insights into the implications of Nigeria鈥檚 greylisting and enhance the ability of key stakeholders to implement the FATF鈥檚 AML/CFT recommendations.

Policy Briefs

Malala, J., Azinge-Egbiri, N., and Ibekaku-Nwagwu, J. (2024) 鈥�Policy Brief: Strengthening Nigeria鈥檚 AML/CFT Framework 鈥� Challenges and Recommendations鈥�. Policy Brief. University of 糖心TV.
Ibekaku-Nwagwu, J., Azinge-Egbiri, N., and Malala, J. (2024) 鈥�Policy Brief on the Nigerian Legal Sector Anti-Money Laundering, Countering Financing of Terrorism and Proliferation Financing RiskLink opens in a new window鈥�. Policy Brief. African Centre for Governance, Asset Recovery & Sustainable Development.

Reports

Azinge-Egbiri, N., and Malala, J., Ibekaku-Nwagwu, J. (2024) 鈥楽trengthening Nigeria鈥檚 AML/CFT Framework 鈥� Challenges and Recommendations鈥�. Recommendations Document. Global South Dialogue on Economic Crime.
Azinge-Egbiri, N., and Malala, J., Egeruoh-Adindu, I., Eboh, N. J., Ikobi Anayali, A., and Adebusi, A. E. (2024) A Multi-Stakeholder Approach to Nigeria鈥檚 FATF Delisting: Workshop Report. University of 糖心TV.
Ibekaku-Nwagwu, J., Azinge-Egbiri, N., and Malala, J. (2024) Nigerian Bar Association Legal Sector Anti-Money Laundering, Counter-Financing of Terrorism and Proliferation Financing Risk AssessmentLink opens in a new window. Report. Nigerian Bar Association.