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Tag: "financial inclusion"


What is P2P lending and has it become a misnomer?

Peer-to-Peer Platforms (P2P) opened a new frontier in digital lending by connecting individual investors directly to borrowers. UK-based Zopa was a pioneer in this form of crowdfunding, but others like LendwithCare and KIVA offer different models. These platforms channel investors to MFIs that then lend to individuals or businesses. And their success has attracted the attention of traditional financial institutions that don’t typically serve downstream markets.

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The new value proposition of tech enabled microloans

The dizzying growth rate of some digital-micro-loan (DML) products raises the question: are they the new microcredit to the poor? Serving low-income clients with low value credit wasn’t an attractive value proposition for most formal financial institutions (FIs). MFIs were among the few that honed the skills to serve them, though doing so requires a costly high touch method. But tech-enabled micro loans can be offered instantly through low touch service at a lower cost, making them an attractive proposition and heating up competition as new players enter the market.

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Four Challenges to Scaling Digital Financial Inclusion: A Practitioner’s Perspective

Interviews Ken Njoroge, CEO of Cellulant.

The financial inclusion agenda attempts to extend a broad range of financial services to the over two billion people around the globe who do not have access to formal financial services. This is a challenging proposition, given constraints in infrastructure, cost of service provision and lack of products to meet the needs of diverse customer segments. Digitalization promises to address at least some of these challenges by leveraging the nearly ubiquitous growth of mobile phones, thereby reducing cost, increasing efficiency and reaching new client segments. Typically, mobile money addresses a common pain point, which then sets the digital rails on which other products and services can be delivered. But traditional financial service providers and new players are grappling with how to move from gateway products, such as money transfer service or air top ups, to a wider range of service provisions.

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