Access via sign-up on the event app or by invitation only. English-French-Portuguese translation available.
Strengthening credit data could be a route to better risk pricing, lower non-performing loans (NPLs) and greater private-sector lending. Few African markets have “fully functioning” credit reporting, and those that do hold only “limited” MSME customer data, according to IFC. Alternative mobile data is starting to be incorporated into credit bureaus, with MTN agreeing to share data with Experian and TransUnion in recent years in South Africa. Yet across the continent, utility bills, mobile money, and trade payments are mainly outside scoring models. Creditinfo Central Africa launched in February to reinforce cross-border data across CEMAC. Still, data in many markets is siloed and non-standardised. Commercial lenders, credit registries, and fintechs come together to modernise Africa’s credit infrastructure.
Key points
- How can regulators safely integrate mobile money and retail data into formal credit bureau structures?
- What legal and technical frameworks are required to enable secure, cross-border credit data sharing?
- How can AI-driven credit scoring tools lower NPL rates without excluding historically unbanked borrowers?