Behavioural underwriting using non-traditional data sources: Evidence from stokvels

Shane Lavagna-Slater, Robert Powell

Research output: Chapter in Book/Conference paperConference paper

Abstract

This study explores behavioural underwriting techniques in the context of informal markets. These markets utilise non-traditional data sources to understand financial behaviour especially savings and credit. The informal stokvel markets in South Africa are examined and found to display similar behavioural underwriting principles to those applied in developed markets which use more traditional and sophisticated data and techniques. This paper offers insight into how informal markets use unstructured behavioural data in credit decisions through behavioural underwriting.
Original languageEnglish
Title of host publicationEdith Cowan University: 3rd Business Doctoral and Emerging Scholars Conference
Publication statusAccepted/In press - 2019
Event3rd Business Doctoral and Emerging Scholars Conference - Edith Cowan University, Perth, Australia
Duration: 29 Nov 201830 Nov 2018

Conference

Conference3rd Business Doctoral and Emerging Scholars Conference
CountryAustralia
CityPerth
Period29/11/1830/11/18

Fingerprint

Underwriting
Data sources
Nontraditional
Informal markets
Credit
Savings
South Africa
Financial behavior

Cite this

Lavagna-Slater, S., & Powell, R. (Accepted/In press). Behavioural underwriting using non-traditional data sources: Evidence from stokvels. In Edith Cowan University: 3rd Business Doctoral and Emerging Scholars Conference
Lavagna-Slater, Shane ; Powell, Robert. / Behavioural underwriting using non-traditional data sources: Evidence from stokvels. Edith Cowan University: 3rd Business Doctoral and Emerging Scholars Conference. 2019.
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abstract = "This study explores behavioural underwriting techniques in the context of informal markets. These markets utilise non-traditional data sources to understand financial behaviour especially savings and credit. The informal stokvel markets in South Africa are examined and found to display similar behavioural underwriting principles to those applied in developed markets which use more traditional and sophisticated data and techniques. This paper offers insight into how informal markets use unstructured behavioural data in credit decisions through behavioural underwriting.",
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Lavagna-Slater, S & Powell, R 2019, Behavioural underwriting using non-traditional data sources: Evidence from stokvels. in Edith Cowan University: 3rd Business Doctoral and Emerging Scholars Conference. 3rd Business Doctoral and Emerging Scholars Conference, Perth, Australia, 29/11/18.

Behavioural underwriting using non-traditional data sources: Evidence from stokvels. / Lavagna-Slater, Shane; Powell, Robert.

Edith Cowan University: 3rd Business Doctoral and Emerging Scholars Conference. 2019.

Research output: Chapter in Book/Conference paperConference paper

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AB - This study explores behavioural underwriting techniques in the context of informal markets. These markets utilise non-traditional data sources to understand financial behaviour especially savings and credit. The informal stokvel markets in South Africa are examined and found to display similar behavioural underwriting principles to those applied in developed markets which use more traditional and sophisticated data and techniques. This paper offers insight into how informal markets use unstructured behavioural data in credit decisions through behavioural underwriting.

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Lavagna-Slater S, Powell R. Behavioural underwriting using non-traditional data sources: Evidence from stokvels. In Edith Cowan University: 3rd Business Doctoral and Emerging Scholars Conference. 2019