2023年6月14日

資本業務通過它的受歡迎程度已經吸引了年輕和老人,因為它提供無縫服務。監管部門,肯尼亞稅務局(熱淚盈眶)要求所有運營商在全國注冊為數字信貸提供者(DCP)。資本經營與塔拉靜坐的臨時總經理這就是她說:最近,塔拉接到CBK隨著DCP許可證。DCP數字許可證的銀行有多重要?當我們進入這個行業的新階段,DCP特許充當銀行的蓋章認可,希望在這個市場運作。擁有超過300家銀行在一個不受監管的市場在過去~ 8年,新規定是偉大的,以確保消費者安全仍然走在前列。為公司DCP許可證是什麼意思?塔拉,操作指南在很大程度上仍與我們已經在肯尼亞負責放貸的最前沿。更大的改變,我們預期的商業是由於新的合規報告要求和監管。為什麼這麼久才塔拉,DCP執照嗎? Advertisement. Scroll to continue reading. Taking the expansiveness of the sector and with over 300 applications at the Central Bank, it is evident why this process will have to be more of a continuous process. More importantly, as per the implementation guidelines, all lenders who submit their applications are allowed to continue operations while awaiting application review to allow for this transitionary period. How will the DCP license help streamline the industry as more lending apps enter the Kenyan market? We believe that when properly implemented by the Central Bank of Kenya – CBK , this will ensure the ongoing flow of responsible credit to Kenyan consumers and small businesses as we pursue our shared goals of First, advancing a much safer operating environment for Kenyans with responsible lending practises at the forefront. We know that consumers are using more than one digital lender as per the Geopoll survey of 2020 that surveyed 1000 people Secondly, cementing Kenya’s global leadership in financial inclusion and innovation. In your own experience, will the CBK license increase customers’ confidence in lending apps that are coming up left right and center? We are seeing customers becoming more aware of this as a factor when selecting a lender as per the 2023 Tala MoneyMarch report, right behind loan terms and customer service which is relatively new to this market. With 32 lenders being licensed so far, we anticipate that this will increase customer consideration for these products. How has digital lending space in Kenya evolved over the years? The industry is clocking 10 years soon and I would say that this first phase of the industry did a lot to increase access to credit to unbanked populations in Kenya. Advertisement. Scroll to continue reading. Starting with market pioneers such as Tala in 2014, we now have over 300 players in the market, and are actively entering the next phase of the industry under the new regulatory regime. This next phase will be marked by customer-centric innovation, with consumer needs being at the center of new innovations that achieve success. Lately, Kenya has seen the entry of numerous lending apps into the country. Won’t this create competition for players like you? The credit deficit for MSMEs alone stands at over $19 billion in Kenya. The need for credit is not yet met and there remains to be massive opportunity for current and new players, and especially among peri-urban and rural populations. What are some of the challenges that you are currently facing? Economic hardship among our customers continues to be top on our list of challenges we continue to anticipate this year, and its impact on users’ ability to repay loans and general engage with financial services. 0