News
DICRI Contribution to the European Commission Consultation on High-Risk AI Systems under the AI Act
This DICRI policy paper examines how the EU AI Act may apply to certain AI systems used in debt collection, restructuring, servicing, and post-default consumer-credit governance. It argues that the current draft Guidelines on high-risk AI systems leave an important interpretive ambiguity regarding post-default AI systems performing profiling, behavioural prediction, or evaluative functions capable of shaping consequential treatment affecting consumers in financial distress.
Designing Enforcement: The Philippine Advisory on Online Lending Platforms
Digital lending platforms increasingly rely on contact-list access and interface permissions as enforcement tools. A structural reading of the 18 March 2026 Philippine advisory.
LAUNCH OF D.I.C.R.I.
The Digital Informal Credit Research Initiative (DICRI) is formally launched today, 13 April 2026.
DICRI is established as an independent research platform dedicated to the systematic study of informal and platform-based credit, digital debt enforcement infrastructures, and the evolving governance of finance beyond traditional legal frameworks. As digital platforms increasingly shape access to credit, repayment structures, behavioural incentives, and enforcement mechanisms, they generate financial ecosystems that operate at the edges - and sometimes outside - conventional regulatory models. Understanding these transformations requires new conceptual tools, comparative research, and sustained interdisciplinary engagement.