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More Rules, Same Problem? Regulating Digital Debt Collection in Kenya
Despite successive regulatory reforms, abusive digital debt collection practices persist in Kenya. Boris Awa examines the country's evolving legal framework, recent judicial decisions, and the challenges of enforcement, asking whether stronger consumer protection requires more rules - or more effective implementation of those already in place.
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.