A cultural view of loan defaults in Kenya
Industry Information

A cultural view of loan defaults in Kenya

Executive summary  From 2019 to 2024, Kenya experienced a steady rise in personal and consumer loan defaults, driven not just by economic challenges, but deeply rooted cultural behaviors, social expectations, and shifting attitudes towards debt. While formal banks, microfinance institutions, and mobile lenders expanded access to credit, repayment struggles mirrored longstanding cultural and communal dynamics. […]

Credit bureaus, credit scoring, and payments providers for lenders in Botswana
Industry Information

Credit bureaus, credit scoring, and payments providers for lenders in Botswana

In Botswana’s lending sector, it’s not the interest rate or marketing budget that’s the most powerful tool—it’s the invisible mechanics that decide who gets approved, how money flows, and what risks lenders are willing to take. The real game-changers are credit bureaus, credit scoring models, and payment providers, and they’re reshaping how loans are managed, […]

5 loan marketing ideas for digital-first lenders
Lender information

5 loan marketing ideas for digital-first lenders

If you run a digital-first lending business in Africa you already understand how competitive this space can be. Customers expect fast responses, clear information, and a sense that they can trust you with their money. Every interaction counts, but the very first interaction often happens before you even know someone is looking for you. Most […]