The International Finance Corporation seeks to recruit a firm to conduct an assessment of the legal framework governing digital financial services in the Western Balkans Region (Albania, Bosnia and Herzegovina, North Macedonia, Montenegro, Serbia, Kosovo).The goal is to strengthen the capacity of policymakers, regulators, and supervisors seeking to advance financial consumer protection, particularly for low-income clients, by promoting sound, effective and proportionate regulation and supervision of financial service providers. The goal of the assignment is to assess the state of the digital financial services regulation in the country, identify potential gaps that may prevent implementation of innovative products and services, and possible deviations from the global best practices. The assessment shall be included in a assessment report that provides a 360-degree view on the current DFS regulatory landscape.Results of the assessment will highlight the priority areas for further improvement and regulatory reforms in the selected countries and prioritize the IFC activities in this domain. The assessment report will also be used as a reference by IFC staff and experts to plan next steps in implementing IFC projects in the region.