About

Digital credit is increasingly embedded in everyday platforms. Buy Now, Pay Later schemes, app-based lending, and embedded finance reshape how credit is granted and enforced.

DICRI examines informal digital credit granting and platform-based enforcement across jurisdictions. The initiative studies how credit governance shifts from regulated actors, courts and regulators to technical infrastructures. 

Through comparative legal analysis and empirical research, DICRI develops frameworks for understanding digital credit, vulnerability, and regulatory displacement.