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1、Financial Health Addressing Consumer Overindebtedness in the DigitalAgeThe GSMA is a global organisation unifying the mobile ecosystem to discover,develop and deliver innovation foundational to positive business environments and societal change.Our vision is to unlock the full power of connectivity

2、so that people,industry,and society thrive.Representing mobile operators and organisations across the mobile ecosystem and adjacent industries,the GSMA delivers for its members across three broad pillars:Connectivity for Good,Industry Services and Solutions,and Outreach.This activity includes advanc

3、ing policy,tackling todays biggest societal challenges,underpinning the technology and interoperability that make mobile work,and providing the worlds largest platform to convene the mobile ecosystem at the MWC and M360 series of events.We invite you to find out more at Follow the GSMA on X:GSMAGSMA

4、 Mobile MoneyThe GSMAs Mobile Money programme works to accelerate the development of the mobile money ecosystem for the underserved.For more information,please contact us: X:GSMAMobileM AuthorsRebecca Spriggs,GSMA Kennedy Kipkemboi,GSMA AcknowledgementsAshley Olson Onyango,GSMA Dr.Anastasia Mirzoyan

5、ts,GeoPoll Mark Ellis-Jones,GeoPoll John Paul(JP)Murunga,GeoPoll 2024 GSMAContents Executive summary 0501 Introduction 0902 Literature review:keyfindings 112.1 Digital credit:definition,growth,evolution and earlyconcerns 122.2 Overindebtedness:definitions,history andsolutions 142.3 Best practices in

6、 addressing digital credit and overindebtedness concerns 1703 Consumer experiences ofoverindebtedness 193.1 Methodology and surveyparticipants 213.2 General trends inthe use of microcredit in the fivetarget markets 223.3 Symptoms and causes ofoverindebtedness 283.4 Overindebtedness and digital credi