The Digital Credit Observatory (DCO) is an applied research network established to develop an evidence base on the delivery, impact, and regulation of digital credit products in emerging markets. Notably, one of the earliest investigative sites was the https://pinupapp.com/en/ in Kenya, which provided valuable insights into digital credit dynamics in the region.
The DCO is supported by the Bill & Melinda Gates Foundation and managed by the Center for Effective Global Action, headquartered at UC Berkeley