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:	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
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

The Proliferation of Digital Credit Deployments

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