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Tag: Digital credit

Data segmentation to understand your audience better

MSC strives to design better products and processes for our clients and evaluate the social value they create. Yet we cannot afford to consider the entire customer base of our clients as a single entity. MSC uses customer segmentation to account for nuances and differences in human behavior. We have worked with different clients to help them understand their customer’s banking needs, financial behavior, and creditworthiness. This blog presents our experience and lessons from our customer segmentation work to address clients’ needs.

Nov 25, 2022

Aakash Mehrotra and Chinmay Dabhade

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Nov 25, 2022

Aakash Mehrotra and Chinmay Dabhade

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Customer-centric and responsible digital credit solutions for urban and rural non-farm entrepreneurs and smallholder farmers

MSC conducted a deep-dive analysis of the digital credit users in India, Indonesia, and Kenya to assess the impact of digital credit on their financial health. The analysis presents the insights from the assessment and recommends actionable interventions at the level of providers, regulators, and policymakers to enhance the financial health of digital credit users.

Sep 20, 2022

Anup Singh, Abhishek Anand and Raunak Kapoor

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Sep 20, 2022

Anup Singh, Abhishek Anand and Raunak Kapoor

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Credit for low- and moderate-income people in Bangladesh—can new-age banks and FinTechs deliver the regulator’s wish?

The waves of digitization and technological advancements have led to the opening of MFS accounts for 60% of the population in Bangladesh. The country now boasts more than 1.1 million agents. Despite the widespread use of MFS and internet access, only 9.1% of people access the formal credit system. Digital credit can be a stepping-stone in Bangladesh due to the lower cost of delivering credit through digital means, combined with the mass digital readiness of consumers. Several solutions have emerged from banks, NBFIs, FinTechs, MFSPs, MFIs, and development partners, such as City Bank’s “Nano Loan” product pilot to Prime Bank’s loan product for blue-collar workers. Together, stakeholders are trying to forge partnerships to address problems around access to credit and social development in Bangladesh.

Jan 24, 2022

Anik Muntasir Chowdhury, Samveet Sahoo and Sunil Bhat

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Jan 24, 2022

Anik Muntasir Chowdhury, Samveet Sahoo and Sunil Bhat

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Can digital approaches enable better access to formal financial services to MSMEs?

Financial institutions have a clear opportunity to enhance access to formal financial services for MSMEs. Let us examine from this blog whether digital approaches can give the needed access to MSMEs.

Apr 22, 2021

Aparna Shukla, Anup Singh and Graham Wright

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Apr 22, 2021

Aparna Shukla, Anup Singh and Graham Wright

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Impact of COVID-19 on farmers in Kenya and the government’s response

This blog captures the analysis of the impact of COVID-19 on farmers in Kenya and their coping mechanisms. The blog further explores how the government is supporting the sector with relief measures, and what more needs to be done by the public and private agencies to help the sector recover.

Jan 19, 2021

Anup Singh, Diana Siddiqui and Aparna Shukla

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Jan 19, 2021

Anup Singh, Diana Siddiqui and Aparna Shukla

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Resolving challenges for digital credit with segment-specific vulnerabilities

In Kenya, the demand for digital credit as a substitute for both informal and formal financial services is strong. Yet the question remains—is the reach of digital credit wide enough to help all Kenyans who need instant credit? This blog discusses the current context and gaps relating to specific customer segments, and the associated behavioral traits and challenges. It also highlights key recommendations made to providers based on the insights and lessons from Kenya.

Oct 1, 2019

Wanjiku Kiarie and Olivia Obiero

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Oct 1, 2019

Wanjiku Kiarie and Olivia Obiero

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