Across emerging markets, SME lenders face a dual challenge: insufficient credit data and high perceived risk. This session explores how the convergence of alternative data models, credit guarantees, and shared infrastructure can unlock responsible, scalable SME finance. It will bring together perspectives from market enablers, data infrastructure builders, DFIs, and policy shapers to examine what it takes to bridge the data gap and de-risk SME lending at scale.
- What types of alternative data (e.g. cashflow, mobile usage, behavioural patterns, utility payments) are proving effective in improving SME credit scoring in underserved markets?
- How can regulators and DFIs balance innovation with consumer protection in the deployment of non-traditional credit data?
- What standards and frameworks are emerging to govern the responsible use of SME data, and how can they underpin scalable guarantee and risk-sharing programs?
- What role do credit guarantees, blended finance tools, and DFIs play in supporting lenders adopting new forms of data-driven credit assessment?
- How can multilateral institutions and technical assistance partners help build, finance, and operationalize inclusive, cross-border SME data infrastructure?
