Behavioural underwriting using non-traditional data sources: Evidence from stokvels
Document Type
Conference Proceeding
Publication Title
The proceedings of 3rd Business Doctoral and Emerging Scholars Conference
Publisher
Edith Cowan University - School of Business and Law
School
School of Business and Law / Markets and Services Research Centre (MASRC)
RAS ID
29813
Abstract
This study explores behavioural underwriting techniques in the context of informal markets. These markets utilise non-traditional data sources to understand financial behaviour especially savings and credit. The informal stokvel markets in South Africa are examined and found to display similar behavioural underwriting principles to those applied in developed markets which use more traditional and sophisticated data and techniques. This paper offers insight into how informal markets use unstructured behavioural data in credit decisions through behavioural underwriting.
Access Rights
metadata only record
Comments
Lavagna-Slater, S., & Powell, R. J. (2018). Behavioural underwriting using non-traditional data sources: Evidence from stokvels. In Proceedings of the 3rd ECU Business Doctoral and Emerging Scholars Conference (pp. 4-9). Perth, Australia: Edith Cowan University.