BREAD Working Paper No. 516, July 2017

Digital Credit: A Snapshot of the Current Landscape and Open Research Questions

Eilin Francis, Joshua Blumenstock, Jonathan Robinson


This paper discusses the emerging digital credit market. The paper summarizes the current state of digital credit, focusing primarily on the currently dominant form of credit (consumer loans offered through mobile money systems, often backed by a fi nancial institution). We discuss ways in which digital credit will represent a change from previously available forms of credit. We conclude by discussing some possible directions for further research.

Keywords: digital credit, mobile money

JEL classification codes: G21, G23, D14

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