Title

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

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. https://www.ecu.edu.au/conferences/2018/3rd-business-doctoral-and-emerging-scholars-conference-2018/conference-proceedings

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.

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