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
the Center for Effective Global Action, headquartered at UC Berkeley
Latest Updates

August 1 // Check out DCO's newsletter to learn about DCO studies and useful resources

January 9 // Key takeaways from DCO pilot studies featured in NextBillion
Front cover photo credit: © Simone D. McCourtie / World Bank