{"id":5959,"date":"2019-09-11T12:20:28","date_gmt":"2019-09-11T11:20:28","guid":{"rendered":"https:\/\/www.gsma.com\/about-us\/regions\/africa\/gsma_resources\/digital-credit-for-mobile-money-providers-a-guide-to-addressing-the-risks-associated-with-digital-credit-services"},"modified":"2019-09-11T12:20:28","modified_gmt":"2019-09-11T11:20:28","slug":"digital-credit-for-mobile-money-providers-a-guide-to-addressing-the-risks-associated-with-digital-credit-services","status":"publish","type":"gsma_theme_resources","link":"https:\/\/www.gsma.com\/about-us\/regions\/africa\/gsma_resources\/digital-credit-for-mobile-money-providers-a-guide-to-addressing-the-risks-associated-with-digital-credit-services\/","title":{"rendered":"Digital credit for mobile money providers: A guide to addressing the risks associated with digital credit services"},"content":{"rendered":"<p>The extensive uptake of mobile money in recent years and the subsequent creation of transactional data has spurred access to short-term loans for individuals who had been previously excluded from formal credit markets. By offering instant loans and advances, these products can help individuals and MSMEs (micro, small and medium-sized enterprises) to meet their household needs, handle financial shocks and capitalise on business opportunities.<\/p>\n<p>The scalability and speed of digital credit, combined with the limited financial literacy of many borrowers, can lead to high-risk credit booms, as witnessed in other sectors.<\/p>\n<p>This briefing note details the different responsibilities of MMPs who participate in digital credit offerings, and provides guidance on addressing the risks that might arise with such services.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This briefing note details the different responsibilities of MMPs who participate in digital credit offerings, and provides guidance on addressing the risks that might arise with such services.<\/p>\n","protected":false},"author":22,"featured_media":0,"template":"","meta":{"image":"https:\/\/www.gsma.com\/about-us\/regions\/africa\/wp-content\/uploads\/2019\/09\/Capture.png","json":{"gsma_resources_type":"Document","gsma_resources_thumb":"[4804]","gsma_resources_file":"[]","gsma_resources_multi":null,"gsma_resources_wgr":null,"gsma_resources_video":null,"gsma_resources_image":"[]","gsma_resources_url":"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2019\/09\/GSMA_Digital-credit-for-mobile-money-providers.pdf","gsma_resources_date":"11\/09\/2019","gsma_resources_button":"Download"}},"tags":[],"resource_categories":[],"algolia_discover_type":[2220],"class_list":["post-5959","gsma_theme_resources","type-gsma_theme_resources","status-publish","hentry","algolia_discover_type-resource"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Digital credit for mobile money providers: A guide to addressing the risks associated with digital credit services - GSMA Africa<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gsma.com\/about-us\/regions\/africa\/gsma_resources\/digital-credit-for-mobile-money-providers-a-guide-to-addressing-the-risks-associated-with-digital-credit-services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digital credit for mobile money providers: A guide to addressing the risks associated with digital credit services - GSMA Africa\" \/>\n<meta property=\"og:description\" content=\"This briefing note details the different responsibilities of MMPs who participate in digital credit offerings, and provides guidance on addressing the risks that might arise with such services.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gsma.com\/about-us\/regions\/africa\/gsma_resources\/digital-credit-for-mobile-money-providers-a-guide-to-addressing-the-risks-associated-with-digital-credit-services\/\" \/>\n<meta property=\"og:site_name\" content=\"GSMA Africa\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gsma\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@GSMA\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Digital credit for mobile money providers: A guide to addressing the risks associated with digital credit services - 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