Publications

Results 1 - 10 of 34
Publications -
November 2019

Digital credit audit report: Evaluating the conduct and practice of digital lending in Kenya

Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has provided individuals with the tools to manage their day-to-day needs and working capital for small enterprises. Survey data reveals that over six million Kenyans have borrowed at least one digital loan. Beyond these daily use-cases, […]

Publications -
October 2018

Digital credit in Kenya: evidence from demand-side surveys

The pricing, marketing and potential misuse of digital loans coupled with the extensive negative reporting of borrowers who have failed to repay these relatively small loans has raised a growing chorus of concern about their design and the adverse impacts they have on borrowers and the financial system more broadly.

Publications -
June 2018

Emerging data sharing models to promote financial service innovation: global trends and their implications for emerging markets

Whether it's government records, bank account data, or web browser activity, providing consumers with the ability to access and share their digital identity and records could increase competition and innovation by letting financial service providers better target and price products to consumers.

Posts
February 2017

Kay gets perspective on informal sector in Kibera

During his visit for the FSD Kenya 3rd annual lecture, John Kay visited Haki Group, a Self Help Group registered in 2002 but graduated to a Community Based Organization in 2005 to mitigate the effects of HIV/AIDS in Kibera. Haki promotes savings groups as part of its economic empowerment program. It currently has 35 savings […]