Projects
DICRI develops research programmes that advance comparative analysis of informal digital credit and platform-based enforcement. Projects combine legal scholarship, empirical inquiry, and conceptual development to generate scalable research agendas.
GOVLAW - Governing Credit Without Law
GOVLAW is DICRI’s flagship research programme. It examines how digital platforms displace legal norms in credit access and enforcement, embedding eligibility, repayment, and contestation mechanisms directly into technical infrastructures.
The programme advances a comparative framework across Denmark, Singapore, and Nigeria, integrating doctrinal mapping, interviews, surveys, and platform walkthrough analysis.
GOVLAW has been submitted for competitive external research funding. Regardless of funding outcomes, DICRI will pursue phased empirical development and expand the framework toward larger comparative and ERC-scale research.
Status: Research programme
Scope: Comparative digital credit governance
Funding: External competitive funding submitted
Emerging Research Streams
DICRI is developing additional research directions that expand the study of informal digital credit and platform-based governance. These streams build on the GOVLAW framework and explore new comparative, methodological, and normative dimensions.
Platform Credit Infrastructures
Analysing how technical architectures structure credit access, scoring, and repayment through interface design and backend logic.
Financial Vulnerability and Digital Enforcement
Examining how automation, nudging, and reputational mechanisms reshape borrower protection and financial precarity.
Regulatory Adaptation and Legal Displacement
Investigating how legal systems respond to embedded finance and platform-based rule-making across jurisdictions.