Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia

This case study tells the story of the evolution of psychometric credit scoring as an innovative solution in a World Bank operation, from its humble beginnings as a small pilot in Ethiopia, to the current movement to replicate its use for similar c...

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Main Authors:	Alibhai, Salman, Buehren, Niklas, Coleman, Rachel, Goldstein, Markus, Strobbe, Francesco
Format:	Working Paper
Language:	English
Published:	World Bank, Washington, DC 2018
Subjects:	MICROENTERPRISE SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE FINANCIAL TECHNOLOGY FINANCIAL INCLUSION GENDER COLLATERAL CREDIT RISK BANKING GENDER EQUALITY GENDER GAP MICROFINANCE FINTECH FINANCIAL EFFICIENCY PSYCHOMETRICS CREDIT SCORES FEMALE ENTREPRENEURS AFRICA GENDER POLICY GENDER INNOVATION LAB WOMEN AND PRIVATE SECTOR DEVELOPMENT
Online Access:	http://documents.worldbank.org/curated/en/651751524666164146/Disruptive-finance-using-psychometrics-to-overcome-collateral-constraints-in-Ethiopia http://hdl.handle.net/10986/29746

id	okr-10986-29746
recordtype	oai_dc
spelling	okr-10986-297462021-06-14T10:07:25Z Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia Alibhai, Salman Buehren, Niklas Coleman, Rachel Goldstein, Markus Strobbe, Francesco MICROENTERPRISE SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE FINANCIAL TECHNOLOGY FINANCIAL INCLUSION GENDER COLLATERAL CREDIT RISK BANKING GENDER EQUALITY GENDER GAP MICROFINANCE FINTECH FINANCIAL EFFICIENCY PSYCHOMETRICS CREDIT SCORES FEMALE ENTREPRENEURS AFRICA GENDER POLICY GENDER INNOVATION LAB WOMEN AND PRIVATE SECTOR DEVELOPMENT This case study tells the story of the evolution of psychometric credit scoring as an innovative solution in a World Bank operation, from its humble beginnings as a small pilot in Ethiopia, to the current movement to replicate its use for similar challenges in countries across the continent in Tanzania, Zimbabwe, Madagascar, and beyond. Fintech is commonly defined as an industry composed of companies that use technology to make financial systems more efficient. The story is one of both achievements and setbacks, just as the future of fintech holds both promise and limitations. It is shared with a view to better understand how psychometrics and fintech more broadly can be utilized to solve critical development challenges, and help get finance to those who need it most around the world. 2018-04-27T15:41:55Z 2018-04-27T15:41:55Z 2018-04 Working Paper http://documents.worldbank.org/curated/en/651751524666164146/Disruptive-finance-using-psychometrics-to-overcome-collateral-constraints-in-Ethiopia http://hdl.handle.net/10986/29746 English CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo World Bank World Bank, Washington, DC Publications & Research Publications & Research :: Working Paper Africa Ethiopia
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English
topic	MICROENTERPRISE SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE FINANCIAL TECHNOLOGY FINANCIAL INCLUSION GENDER COLLATERAL CREDIT RISK BANKING GENDER EQUALITY GENDER GAP MICROFINANCE FINTECH FINANCIAL EFFICIENCY PSYCHOMETRICS CREDIT SCORES FEMALE ENTREPRENEURS AFRICA GENDER POLICY GENDER INNOVATION LAB WOMEN AND PRIVATE SECTOR DEVELOPMENT
spellingShingle	MICROENTERPRISE SMALL AND MEDIUM ENTERPRISES ACCESS TO FINANCE FINANCIAL TECHNOLOGY FINANCIAL INCLUSION GENDER COLLATERAL CREDIT RISK BANKING GENDER EQUALITY GENDER GAP MICROFINANCE FINTECH FINANCIAL EFFICIENCY PSYCHOMETRICS CREDIT SCORES FEMALE ENTREPRENEURS AFRICA GENDER POLICY GENDER INNOVATION LAB WOMEN AND PRIVATE SECTOR DEVELOPMENT Alibhai, Salman Buehren, Niklas Coleman, Rachel Goldstein, Markus Strobbe, Francesco Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia
geographic_facet	Africa Ethiopia
description	This case study tells the story of the evolution of psychometric credit scoring as an innovative solution in a World Bank operation, from its humble beginnings as a small pilot in Ethiopia, to the current movement to replicate its use for similar challenges in countries across the continent in Tanzania, Zimbabwe, Madagascar, and beyond. Fintech is commonly defined as an industry composed of companies that use technology to make financial systems more efficient. The story is one of both achievements and setbacks, just as the future of fintech holds both promise and limitations. It is shared with a view to better understand how psychometrics and fintech more broadly can be utilized to solve critical development challenges, and help get finance to those who need it most around the world.
format	Working Paper
author	Alibhai, Salman Buehren, Niklas Coleman, Rachel Goldstein, Markus Strobbe, Francesco
author_facet	Alibhai, Salman Buehren, Niklas Coleman, Rachel Goldstein, Markus Strobbe, Francesco
author_sort	Alibhai, Salman
title	Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia
title_short	Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia
title_full	Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia
title_fullStr	Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia
title_full_unstemmed	Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia
title_sort	disruptive finance : using psychometrics to overcome collateral constraints in ethiopia
publisher	World Bank, Washington, DC
publishDate	2018
url	http://documents.worldbank.org/curated/en/651751524666164146/Disruptive-finance-using-psychometrics-to-overcome-collateral-constraints-in-Ethiopia http://hdl.handle.net/10986/29746
_version_	1764470170054557696

Disruptive Finance : Using Psychometrics to Overcome Collateral Constraints in Ethiopia

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