Leveraging Digitalization, Fintech, and Technology to Strengthen the Credit Environment and Credit Infrastructure

Key Topics: • Digital payments, mobile money, and agent banking: how digital financial services infrastructure generates repayment data and reduces the cost of credit for underserved borrowers; • National credit scoring systems: credit scoring and alternative data, using mobile money histories, utility payments, and digital records to assess creditworthiness without traditional collateral; • Fintech lending, digital credit, and proportionate regulation, balancing innovation with consumer protection and financial stability; • Strengthening the data architecture for lending: Real-time Credit Bureau modernization, National ID integration, land registry digitalization; • Collateral Registry Modernization: immovable & movable collateral registry, progress, practical limitations, and the path to genuine lender adoption; • AI and blockchain in credit assessment, fraud detection, and loan monitoring, international applications and Liberian relevance; • Global best practices in credit infrastructure reform and Liberia’s specific sequencing gaps Format: Plenary, expert presentation followed by panel discussion (60 minutes) Expected Output: Deployment of an enhanced credit infrastructure by the CBL; creating the enabling environment for innovative credit products.