The Proliferation of Digital Credit Deployments

This brief provides an introduction to the fast-evolving landscape of digital credit and illustrates common features of this new digital finance offering. The focus is on digital credit services that leverage customers’ existing access to a mobile...

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Main Authors: Hwang, Byoung-Hwa, Tellez, Camilo
Format: Brief
Language:English
en_US
Published: World Bank, Washington, DC 2016
Subjects:
APR
WEB
PDF
FAX
Online Access:http://documents.worldbank.org/curated/en/2016/06/26430465/proliferation-digital-credit-deployments
http://hdl.handle.net/10986/24567
id okr-10986-24567
recordtype oai_dc
spelling okr-10986-245672021-05-26T09:05:19Z The Proliferation of Digital Credit Deployments Hwang, Byoung-Hwa Tellez, Camilo DIGITAL DATA MARKETING STRATEGIES CREDIT PRODUCTS FINANCIAL SERVICES LOAN TERM BORROWER INDIVIDUAL LOANS MICROLOAN POTENTIAL BORROWER CUSTOMER BARRIER LATE PAYMENTS E-COMMERCE INCOME INTEREST EXCHANGE OFFERINGS INFORMATION LIQUIDITY REPAYMENTS LOAN PRODUCT CREDIT SCORING SAVINGS SERVICE LOAN BORROWERS OWNERSHIP LOAN DECISIONS PAYMENTS CUSTOMER RELATIONS COMPUTER PAYMENT HISTORIES JUDGMENT PERSONAL COMPUTER COMMUNICATIONS INSTITUTIONS OVERDUE LOANS DATA CREDITS SAVINGS COMMERCE FINANCIAL INSTITUTION CASH ADVANCES COMMERCIAL BANK CREDIT BUREAUS LOAN PRODUCTS LOW-INCOME COUNTRIES PORTFOLIOS NEW PRODUCT EXCHANGE RATES INTEREST RATES MIDDLE-INCOME ECONOMIES APR REPAYMENT BEHAVIOR PAYMENT MARKETING MARKETS WEB LINKS LOANS LOAN SIZES FINANCE LOAN TERMS SAVINGS ACCOUNT COMMON MARKET TRANSACTIONS SMALL LOANS PHONE EQUITY CREDIT DECISIONS LOAN REPAYMENT PDF GOOD CREDIT PROVIDERS MOBILE DEVICE MOBILE PHONE DEFAULT RATES PENALTY CREDIT CREDIT PRODUCT MICROINSURANCE FAX REPAYMENT DISBURSEMENTS FINANCIAL ACCOUNT PRODUCT CATEGORY LOAN RATIOS DEFAULT CONSUMER LOAN MARKET FACTORS FOREIGN EXCHANGE CUSTOMER RETENTION CREDIT BUREAU CREDIT RISK MICROFINANCE MARKET SHARE BLOG NONPERFORMING LOAN LOAN APPLICATIONS BUSINESSES NETWORK PHONES RISK DIGITAL INFRASTRUCTURE SHARE LOAN SIZE RETENTION DIGITAL COMMUNICATIONS BANKING SMALL LOAN LOAN AMOUNTS REVENUE INSTITUTION MOBILE PHONES LENDING ONLINE BANKING LEVERAGE CUSTOMERS CREDIT DELIVERY SHORT-TERM LIQUIDITY CREDIT HISTORY WEB SITE TARGET CREDIT DECISION SMALL BUSINESSES CONSUMER PROTECTION This brief provides an introduction to the fast-evolving landscape of digital credit and illustrates common features of this new digital finance offering. The focus is on digital credit services that leverage customers’ existing access to a mobile phone, though there are also digital credit models building on a person’s connection to the internet. This brief uses 10 case examples to describe the digital credit trend, recognizing that there are many more pilots and products under design than are covered. Many of the case examples are new and have not reached scale yet, while a few already have portfolios reaching 800,000 to 1.8 million active borrowers. 2016-06-17T18:50:32Z 2016-06-17T18:50:32Z 2016-03 Brief http://documents.worldbank.org/curated/en/2016/06/26430465/proliferation-digital-credit-deployments http://hdl.handle.net/10986/24567 English en_US CGAP Brief; CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research Publications & Research :: Brief
repository_type Digital Repository
institution_category Foreign Institution
institution Digital Repositories
building World Bank Open Knowledge Repository
collection World Bank
language English
en_US
topic DIGITAL DATA
MARKETING STRATEGIES
CREDIT PRODUCTS
FINANCIAL SERVICES
LOAN TERM
BORROWER
INDIVIDUAL LOANS
MICROLOAN
POTENTIAL BORROWER
CUSTOMER
BARRIER
LATE PAYMENTS
E-COMMERCE
INCOME
INTEREST
EXCHANGE
OFFERINGS
INFORMATION
LIQUIDITY
REPAYMENTS
LOAN PRODUCT
CREDIT SCORING
SAVINGS SERVICE
LOAN
BORROWERS
OWNERSHIP
LOAN DECISIONS
PAYMENTS
CUSTOMER RELATIONS
COMPUTER
PAYMENT HISTORIES
JUDGMENT
PERSONAL COMPUTER
COMMUNICATIONS
INSTITUTIONS
OVERDUE LOANS
DATA
CREDITS
SAVINGS
COMMERCE
FINANCIAL INSTITUTION
CASH ADVANCES
COMMERCIAL BANK
CREDIT BUREAUS
LOAN PRODUCTS
LOW-INCOME COUNTRIES
PORTFOLIOS
NEW PRODUCT
EXCHANGE RATES
INTEREST RATES
MIDDLE-INCOME ECONOMIES
APR
REPAYMENT BEHAVIOR
PAYMENT
MARKETING
MARKETS
WEB
LINKS
LOANS
LOAN SIZES
FINANCE
LOAN TERMS
SAVINGS ACCOUNT
COMMON MARKET
TRANSACTIONS
SMALL LOANS
PHONE
EQUITY
CREDIT DECISIONS
LOAN REPAYMENT
PDF
GOOD
CREDIT PROVIDERS
MOBILE DEVICE
MOBILE PHONE
DEFAULT RATES
PENALTY
CREDIT
CREDIT PRODUCT
MICROINSURANCE
FAX
REPAYMENT
DISBURSEMENTS
FINANCIAL ACCOUNT
PRODUCT CATEGORY
LOAN RATIOS
DEFAULT
CONSUMER LOAN
MARKET
FACTORS
FOREIGN EXCHANGE
CUSTOMER RETENTION
CREDIT BUREAU
CREDIT RISK
MICROFINANCE
MARKET SHARE
BLOG
NONPERFORMING LOAN
LOAN APPLICATIONS
BUSINESSES
NETWORK
PHONES
RISK
DIGITAL INFRASTRUCTURE
SHARE
LOAN SIZE
RETENTION
DIGITAL COMMUNICATIONS
BANKING
SMALL LOAN
LOAN AMOUNTS
REVENUE
INSTITUTION
MOBILE PHONES
LENDING
ONLINE BANKING
LEVERAGE
CUSTOMERS
CREDIT DELIVERY
SHORT-TERM LIQUIDITY
CREDIT HISTORY
WEB SITE
TARGET
CREDIT DECISION
SMALL BUSINESSES
CONSUMER PROTECTION
spellingShingle DIGITAL DATA
MARKETING STRATEGIES
CREDIT PRODUCTS
FINANCIAL SERVICES
LOAN TERM
BORROWER
INDIVIDUAL LOANS
MICROLOAN
POTENTIAL BORROWER
CUSTOMER
BARRIER
LATE PAYMENTS
E-COMMERCE
INCOME
INTEREST
EXCHANGE
OFFERINGS
INFORMATION
LIQUIDITY
REPAYMENTS
LOAN PRODUCT
CREDIT SCORING
SAVINGS SERVICE
LOAN
BORROWERS
OWNERSHIP
LOAN DECISIONS
PAYMENTS
CUSTOMER RELATIONS
COMPUTER
PAYMENT HISTORIES
JUDGMENT
PERSONAL COMPUTER
COMMUNICATIONS
INSTITUTIONS
OVERDUE LOANS
DATA
CREDITS
SAVINGS
COMMERCE
FINANCIAL INSTITUTION
CASH ADVANCES
COMMERCIAL BANK
CREDIT BUREAUS
LOAN PRODUCTS
LOW-INCOME COUNTRIES
PORTFOLIOS
NEW PRODUCT
EXCHANGE RATES
INTEREST RATES
MIDDLE-INCOME ECONOMIES
APR
REPAYMENT BEHAVIOR
PAYMENT
MARKETING
MARKETS
WEB
LINKS
LOANS
LOAN SIZES
FINANCE
LOAN TERMS
SAVINGS ACCOUNT
COMMON MARKET
TRANSACTIONS
SMALL LOANS
PHONE
EQUITY
CREDIT DECISIONS
LOAN REPAYMENT
PDF
GOOD
CREDIT PROVIDERS
MOBILE DEVICE
MOBILE PHONE
DEFAULT RATES
PENALTY
CREDIT
CREDIT PRODUCT
MICROINSURANCE
FAX
REPAYMENT
DISBURSEMENTS
FINANCIAL ACCOUNT
PRODUCT CATEGORY
LOAN RATIOS
DEFAULT
CONSUMER LOAN
MARKET
FACTORS
FOREIGN EXCHANGE
CUSTOMER RETENTION
CREDIT BUREAU
CREDIT RISK
MICROFINANCE
MARKET SHARE
BLOG
NONPERFORMING LOAN
LOAN APPLICATIONS
BUSINESSES
NETWORK
PHONES
RISK
DIGITAL INFRASTRUCTURE
SHARE
LOAN SIZE
RETENTION
DIGITAL COMMUNICATIONS
BANKING
SMALL LOAN
LOAN AMOUNTS
REVENUE
INSTITUTION
MOBILE PHONES
LENDING
ONLINE BANKING
LEVERAGE
CUSTOMERS
CREDIT DELIVERY
SHORT-TERM LIQUIDITY
CREDIT HISTORY
WEB SITE
TARGET
CREDIT DECISION
SMALL BUSINESSES
CONSUMER PROTECTION
Hwang, Byoung-Hwa
Tellez, Camilo
The Proliferation of Digital Credit Deployments
relation CGAP Brief;
description This brief provides an introduction to the fast-evolving landscape of digital credit and illustrates common features of this new digital finance offering. The focus is on digital credit services that leverage customers’ existing access to a mobile phone, though there are also digital credit models building on a person’s connection to the internet. This brief uses 10 case examples to describe the digital credit trend, recognizing that there are many more pilots and products under design than are covered. Many of the case examples are new and have not reached scale yet, while a few already have portfolios reaching 800,000 to 1.8 million active borrowers.
format Brief
author Hwang, Byoung-Hwa
Tellez, Camilo
author_facet Hwang, Byoung-Hwa
Tellez, Camilo
author_sort Hwang, Byoung-Hwa
title The Proliferation of Digital Credit Deployments
title_short The Proliferation of Digital Credit Deployments
title_full The Proliferation of Digital Credit Deployments
title_fullStr The Proliferation of Digital Credit Deployments
title_full_unstemmed The Proliferation of Digital Credit Deployments
title_sort proliferation of digital credit deployments
publisher World Bank, Washington, DC
publishDate 2016
url http://documents.worldbank.org/curated/en/2016/06/26430465/proliferation-digital-credit-deployments
http://hdl.handle.net/10986/24567
_version_ 1764457008537272320