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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World Bank, Washington, DC
2016
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Online Access: | http://documents.worldbank.org/curated/en/2016/06/26430465/proliferation-digital-credit-deployments http://hdl.handle.net/10986/24567 |
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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 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 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 |