Digital MSME Finance

Customers and Uses of Digital Payments

$250

Financial Aid Available

This 4-week course provides an introduction to the dynamics of Micro, Small, and Medium Enterprise (MSME) finance in the digital era. Participants explore the intricacies of the MSME finance gap and gain exposure to how new digital tools and innovations are transforming the credit landscape, not only enhancing financial inclusion and economic growth but also fostering innovation, job creation, and resilience in our rapidly evolving global business landscape.

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First Intake

Start Date

March 14, 2024

Enroll By

March 10, 2024

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Second Intake

Start Date

July 11, 2024

Enroll By

July 7, 2024

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Duration

4 Weeks

Delivery

Online

Certification

Digital Frontiers Institute

Digital MSME Finance

The introductory course will be conducted entirely online through Digital Frontiers Institute’s DigiCampus platform. Weekly teaching materials will centre around lecture videos produced by Digital Frontiers Institute, recorded interviews with real-world experts and practitioners, written lessons, and a number of additional resources that you can read or view. Your weekly tasks will include answering two discussion questions, taking a multiple-choice quiz, and completing a practical assignment.

Curriculum Outline

Module 1

MSMEs, Economic Growth, and the Financing Gap

What are MSMEs?

Why MSMEs Matter
Categories of MSMEs
What is the MSME Finance Gap?
Types of Finance Needed to Close the Gap
Why the MSME Financing Gap Exists
Addressing the “Trust Deficit”
How MSMEs Experience the Finance Gap
SME Finance Forum: MSME Finance and Digital Opportunities
Digital Debt and Online Equity Financing
Discussion – Non-Dilutive Financing

Module 2

Current Digital MSME Debt Finance and Alternative Credit Landscape

Digital Developments and Implications for Credit-Based Finance
Gender Digital Divide
Stages of the Digital Credit Process
Closer Look at Credit Assessment: Evaluating Alternative Data Quality, Quantity, and Predictive Power
Overcoming the MSME Finance Gap Barriers
Discussion – Distributed Ledger Technology and Movable Collateral Registries
Competitive Advantages for Delivering Credit-Based Financing
Digital Nonbank Financial Institutions as Credit Providers
Matching MSMEs with Credit Providers
How Transaction Data is Working (and Not Working) for Gig Workers

Module 3

Digital Non-Bank Financial Institutions: Exploring Data Types, Collection Methods, and Real World MSME Lending Models

Lidya (Nigeria, Poland, Czech Republic)
Closer Look at Value-Added Services: Software Tools and Integrated Services
Supporting Women-Led SMEs through Value Added Services
Apollo Agriculture (Kenya)
Closer Look at Disbursement: Phygital “Physical and Digital” Integrations
Digitizing MSME Merchant Payments
Flipkart (India)
Closer Look at Collections: Automated Daily Loan Repayments
Tala (Kenya, Philippines, Mexico)
Closer Look at Credit Assessment: Mobile Phone Scraping

Module 4

Banks & Digital Banks: Rethinking Strategies, Regulation, and Models to Improve MSME Finance

Rise of Open Banking
LenddoEFL (Global)
Digital Banking Models
Interview with SBK Foundation (Bangladesh)
Digitizing Microfinance Institutions
Closer Look at Embedded Finance
Regulation of Digital MSME Finance
MSME Consumer Protection
CGAP: Data Privacy protection
Data Sharing and Self-Regulation of Embedded Finance

Course Details

First Intake

Start Date

Enroll By

Second Intake

Start Date

Enroll By

Duration

Delivery

Certification

Course Information

Curriculum Outline

Module 1

Module 2

Module 3

Module 4

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