World Bank
May 28, 2025 at 03:04 PM
As digitization transforms our daily lives, it’s also reshaping the future of finance. A growing wave of innovation is using transactional data—like cash flow or purchase history—to assess creditworthiness, especially for small businesses that lack traditional assets.
Sophie Sirtaine and Indermit Gill explore how digital data is becoming a powerful tool for financial inclusion, and what’s needed to ensure this transformation benefits everyone. https://blogs.worldbank.org/en/voices/how-digitization-is-disrupting-collateral-based-lending?cid=ECR_WA_worldbank_EN_EXT
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