全球移动通信系统协会（GSMA）：2026数字信贷赋能韧性与财务健康提升研究报告（英文版）（18页）.pdf

1、Strengthening Resilience and Financial Health through Digital Credit2The GSMA is a global organisation unifying the mobile ecosystem to discover,develop and deliver innovation foundational to positive business environments and societal change.Our vision is to unlock the full power of connectivity so

2、 that people,industry,and society thrive.Representing mobile operators and organisations across the mobile ecosystem and adjacent industries,the GSMA delivers for its members across three broad pillars:Connectivity for Good,Industry Services and Solutions,and Outreach.This activity includes advancin

3、g policy,tackling todays biggest societal challenges,underpinning the technology and interoperability that make mobile work,and providing the worlds largest platform to convene the mobile ecosystem at the MWC and M360 series of events.We invite you to find out more at The GSMAs Mobile Money programm

4、e works to accelerate the development of the mobile money ecosystem for the underserved.For more information,please contact us: Author Isabelle Carboni.AcknowledgmentsThe author are grateful to the following people for peer reviews and input:Lisa Chassin,Ashley Olson Onyango.Marketing support was pr

5、ovided by Imelda Lim and Joyce Kong.Contents01Introduction040203040506The growth of digital credit in Sub-Saharan Africa 2.1 The high cost of formal digital creditThe potential impact of digital creditCommercial models 4.1 What types of digital credit are available to customers?4.2 Responsible lendi

6、ng principlesA practical framework for sustainable growthCharting the path forward06070809101316174 40101 Introduction1 For a range of evidence,see:CEGA and IPA.(2024).Mobile Instant Credit:Impacts,Challenges,and Lessons for Consumer Protection.Digital credit has the potential to improve resilience