The Proliferation of Digital Credit Deployments

Hwang, Byoung-Hwa ; Tellez, Camilo

World Bank, Washington, DC

关键词: DIGITAL DATA;    MARKETING STRATEGIES;    CREDIT PRODUCTS;    FINANCIAL SERVICES;    LOAN TERM;   

RP-ID  :  106035

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

This brief provides an introduction tothe fast-evolving landscape of digital credit andillustrates common features of this new digital financeoffering. The focus is on digital credit services thatleverage customers’ existing access to a mobile phone,though there are also digital credit models building on aperson’s connection to the internet. This brief uses 10 caseexamples to describe the digital credit trend, recognizingthat there are many more pilots and products under designthan are covered. Many of the case examples are new and havenot reached scale yet, while a few already have portfoliosreaching 800,000 to 1.8 million active borrowers.