- If about microfinance or inclusive finance, I write about things which I hear, about events I go to, or articles I read. There is a small bias towards mobile payments, alternative delivery channels, and alternative data for credit scoring since I am am very interested in these topics. When I do not blog about interesting topics, I am an impact microfinance investment officer at the European Investment Bank (EIB).
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Tag Archives: consumer protection
Online lenders – Threat or promise?!
You might have already heard about Lending Club, Prosper, or OnDeck? In my initial understanding these online lenders offer loans more conveniently and with lower interest rates than a traditional bank, i.e., they provide access to credit to many who often … Continue reading
Posted in Allgemein Tagged alternative data, consumer protection, credit analysis Comments Off on Online lenders – Threat or promise?!
Can the time I spent on Facebook determine my credit score? The birth of a Chinese Lending Club…
…this is at least the hypothesis of China’s largest peer-to-peer lending site. They have rated 50m Chinese consumers for creditworthiness using social networking and computer gaming data. i.e., if you spend a lot of time chatting on social networks or playing computer … Continue reading
Posted in Allgemein Tagged alternative data, consumer protection, credit analysis, financial education Comments Off on Can the time I spent on Facebook determine my credit score? The birth of a Chinese Lending Club…
The customer experience – making or breaking your DFS Business model!
It sounds obvious that people using digital financial services (DFS) will stop using the services if their confirmation sms does not arrive, if they do not know if their money has been transferred or their utility bill has been paid. … Continue reading
Posted in Allgemein Tagged banking agents, chal, consumer protection, digital financial services Comments Off on The customer experience – making or breaking your DFS Business model!
Combining inclusion and protection?
… so this is a guest post by guest blogger Claudia Huber: I remember Compartamos’ initial public offering (IPO) in early 2007. Microfinance still being considered the panacea to all development problems, Compartamos shares were 13 times oversubscribed and sold … Continue reading
Posted in Allgemein Tagged Africa, consumer protection, financial education, mobile banking Comments Off on Combining inclusion and protection?