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Blog Series

Digital Credit: A Fast-Moving Global Trend

This 2016 series shares early insights on digital credit, a fast-moving area in financial product innovation. In this series, we highlight the new Introduction to Digital Credit materials developed by CGAP, along with experiments and findings from case studies underway.

wordle
Blog
06 December 2016

3 Steps Policy-Makers Can Take Now on Digital Credit

In emerging markets, policy-makers have often struggled to keep pace with the rapid growth of digital credit. With the establishment of consumer protection authorities unlikely in the short term, here are three steps policy-makers can take now to protect consumers.
Man stands outside small shop, Kenya.
Blog
24 October 2016

Time to Take Data Privacy Concerns Seriously in Digital Lending

Digital credit is on the rise in Kenya. While digital lenders are expanding access to credit for many Kenyans, they are operating outside regulation by any financial sector authority–and some key consumer protection concerns have started to emerge.
digicredsmaller
Blog
08 August 2016

The Unusual Financial Dynamics of Short-Tenor Digital Credit

Digital credit is disbursed and recovered rapidly, often in 30 days or less, and generally with loan amounts smaller than conventional credit or micro-lending. CGAP built a digital credit financial model to investigate the basic financial dynamics of loan portfolios made up of short-term, small loans.
Elderly woman using her mobile phone in rural India.
Blog
02 August 2016

An Indian Start for Digital Credit

In India, loans often require extensive application processes or participation in a joint liability group. A pioneering digital loan provided by Suvidhaa Infoserve and Axis Bank is changing the financial services landscape.
digi-credit
Blog
27 July 2016

An Introductory Course to Digital Credit

In the growing field of digital credit, CGAP research has found exciting innovations along with fundamental miscalculations. CGAP's self-directed course, "An Introduction to Digital Credit," presents key lessons for practitioners, regulators and others with an interest in digital credit.
Photo by Trung Vo Chi, 2015 CGAP Photo Contest
Blog
04 May 2016

Four Common Features of Emerging Digital Credit Offerings

Digital credit has emerged at the digital finance frontier, drawing attention from all players across the DFS ecosystem. A new CGAP brief explores the inner workings and key characteristics of digital credit offerings.
This recycling collector uses his phone to access banking services in Brazil.
Blog
08 February 2016

Instant, Automated, Remote: The Key Attributes of Digital Credit

Three attributes - instant, automated, and remote - underscore the power of digital credit and its ability to scale quickly.

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