Categories of low-risk borrowers lenders should target
Saying, “I don't want high-risk borrowers,” is one thing; articulating the low-risk customers you seek is another. We have done the grunt work of identifying and categorizing traditionally low-risk borrowers.
Credit bureaus, credit scoring, and payments providers for lenders in Ghana
Credit bureaus are the gatekeepers of reliable data, and in a place like Ghana, where non-performing loans (NPLs) hover around 24.3% according to CEIC data, data accuracy isn’t just helpful—it’s non-negotiable. With access to transparent borrower data, lenders are no longer flying blind—they can effectively sift out high-risk borrowers and reduce default rates, turning chaos […]
A deep overview of consumer credit in Zambia
This report provides a clear, practical overview of consumer credit in Zambia from 2019 - 2024. It covers the key loan types in use, major players shaping the space, current regulatory frameworks, and how technology is changing access.