Digital credit often uses machine learning and “alternative” big data sources, such as mobile phone usage, to generate credit scores and distribute loans to consumers in an instant, automated, and remote fashion. Are these products distributing loans to low-income and financially underserved borrowers that would benefit from this financial service? What are the impacts—both positive and negative—of digital credit products in emerging markets, and do they differ by gender?
CEGA’s Digital Credit Observatory (DCO) hosted a panel on October 25 sharing rigorous evidence on the impacts of digital credit and discussing potential insights for implementation and regulation. You can find a recording of the discussion and related resources below.
The panel was part of the What Works Global Summit, an annual event for evidence professionals, development practitioners, and policymakers to discuss the latest evidence on development policies and interventions.
The Center for Effective Global Action (CEGA) invites researchers from East and West Africa to apply to our 2025-2026 Fellowship Program. Selected Fellows will develop their skills in quantitative social science research (including impact evaluation) through a 16-week in-person fellowship, based...
Join CEGA’s Digital Credit Observatory (DCO) for a virtual panel demonstrating the value of privacy-preserving methods to improve people’s lives in low- and middle-income countries (LMICs). As the world increasingly relies on data to make crucial decisions, how can researchers and...
Digitizing financial services has enabled tremendous innovation in the provision of credit in low- and middle-income countries (LMICs), which some hail as a transformative development with potential to drive financial inclusion, reduce poverty, and spur economic growth. However, others associate...
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