As digital lending expands across low-income markets, so do risks of over-indebtedness, lack of transparency, and consumer harm. This how-to guide from CGAP is designed to help financial service providers build responsible, customer-centered digital credit offerings. Key features include:
- A five-step framework to integrate responsible practices into the product lifecycle
- Practical guidance on affordability checks, data consent, transparent terms, and complaint handling
- Real-world examples from financial institutions and fintechs across emerging markets
- Tools to evaluate and mitigate risk while supporting client success
A must-read for digital lenders, fintechs, and development actors promoting inclusive and ethical financial ecosystems.
