Why gig workers are denied loans, and how better credit scoring helps
The structure of the global economy is shifting. More people are working short-term gig, freelancing, and relying on digital platforms to earn a living.
Device finance in Nigeria: A case for BNPL
In an era where a smartphone is no longer a luxury but a fundamental tool for economic survival, Nigeria's "affordability gap" has never been wider. With inflation squeezing disposable income, the traditional model of outright cash purchases is being replaced by the rapid rise of Buy Now, Pay Later (BNPL). This shift isn't just about convenience; it’s a strategic response to currency volatility and a lack of traditional credit infrastructure. By leveraging alternative data and "pay-as-you-go" technology, BNPL providers are turning the dream of high-end tech ownership into a manageable monthly reality for millions of Nigerians, ultimately driving the nation's next wave of digital inclusion
What lenders should fix before increasing loan volume
So before any lender decides to increase loan volume, there are a few things worth fixing first. Some are operational and financial, while some of them sit inside technology and team behaviour.

