A new study highlights how digital lending in Kenya is improving borrowers' financial well-being, income, and employment, challenging traditional credit risk assumptions.

• Borrowers receiving digital loans saw a **24%** higher employment rate and a **21%** increase in self-reported monthly income.
• Key contributors include Professor Omri Even-Tov from Harvard Business School and co-authors from various esteemed institutions.
• The research utilized data from Tala, a leading digital lender, analyzing over **20,000** borrowers and suggesting that new credit assessment methods can expand financial accessibility.