Author Archives: jvowens

Emerging Standards, Codes of Conduct & Principles for Digital Lenders

(Note that this is the 5th chapter of a new publication on Responsible Digital Credit and is still under review. It is posted here for the purpose of receiving comments and inputs from others) As noted in the previous chapters, digital … Continue reading

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Digital Credit: Regulatory Concerns & Responses

(Note that this is the 4th chapter of a new publication on Responsible Digital Credit and is still under review. It is posted here for the purpose of receiving comments and inputs from others) Regulators from around the world are now … Continue reading

Posted in ACCION Center for Financial Inclusion (CFI), Fintech, Regulations, Responsible Online & Digital Lending | Tagged , , , , | 2 Comments

The Role of the Digital Credit Industry in Addressing Consumer Protection

(Note that this is the 3rd chapter of a new publication on Responsible Digital Credit and is still under review. It is posted here for the purpose of receiving comments and inputs from others) The digital credit industry has established a … Continue reading

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Protected: Risks Faced by Digital Credit Clients

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Posted in Digital Financial Services, Responsible Online & Digital Lending

Protected: The Current Landscape of Digital Credit Providers

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Posted in Digital Financial Services, Fintech, Responsible Online & Digital Lending

How Alternative Data is Transforming Access to SME Finance

By John Owens & Lisa Wilhelm Reposted from the SME Finance Forum Blog Many traditional commercial banks consider small and medium enterprises (SMEs) to be high-risk clients, as well as high-cost clients to acquire, underwrite and serve. There is limited … Continue reading

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Payphone Bank in Colombia: An Innovative Way to Promote Micro-savings via Pay Phones

Tigo-Une’s “Payphone Bank” by Grey Colombia has won the Grand Prix for Product Design at this year’s Cannes Lions. The telecom company turned 13,000 cast iron pay phones from the turn of the century into a micro-savings system for the … Continue reading

Posted in Digital Financial Services, Financial Inclusion, Fintech, Mobile Money Use Cases, Mobile Money Videos | Tagged , , , | Leave a comment

What does responsible online and digital credit look like?

Background & Research Questions More and more online credit providers have started to offer loans to not only consumers`but also to SMEs around the world. Outside of digital banking platforms, new alternative online and digital platforms that target consumers and … Continue reading

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Tendencias en Servicios Financieros Digitales y Inclusión Financiera

Esta presentación fue preparada por el Banco Central de Costa Rica para aprender sobre los nuevos servicios financieros digitales que apoyan la inclusión financiera.

Posted in Alliance for Financial Inclusion, Digital Financial Services, Financial Inclusion, Fintech, Mobile Money Regulations, Payments, Regulations | Tagged , , , , , , , , , , | Leave a comment

Leveraging Fintech to Achieve Financial Inclusion in Indonesia

by Ghiyazuddin Mohammad and John Owens (reposted from MicroSave’s blog) “Fintech” – an intersection of financial services and technology – is taking the traditional financial world by storm. Indonesia is no exception, with a fast-evolving ecosystem that includes a host … Continue reading

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