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非洲现金贷观察:数字贷款人表示,采用自我监管措施并非由于CBK的压力!|出海非洲现金贷岛群第34期

2020-02-02 20:24:33

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DLAK主席罗伯·马辛德(Robert Masinde)在今年早些时候成立的协会成立期间发表讲话时说,采取自我监管框架的举动是成员国的一项举措,而不受银行监管机构的任何影响。

 

DLAK主席罗伯特·马辛德(Robert Masinde)表示:“我们计划采用的规则和规章是一项自律举措,旨在使我们的消费者受益。”

 

行为准则的发布是在肯尼亚中央银行表示有必要像其他金融部门一样对数字贷款申请进行监管后一个月发布的。

 

中央银行行长帕特里克·恩约罗格(Patrick Njoroge)在货币政策委员会会议后向媒体发表讲话时指出,一些在线贷方抢劫了绝望的肯尼亚人,而忽视了他们提供合法贷款解决方案的任务。

 

Njoroge说:“数字贷款人在该国像蘑菇一样成长,并没有真正为'Wanjiku'工作。”

 

DLAK表示,它正在计划与肯尼亚中央银行和国家财政部进行接触,以就行为准则下的某些措施提供建议。

 

根据为DLAK成员制定的新规则,消费者将有权获得明确的定价,使他们能够根据最能满足其需求的贷款产品做出明智的决定。

 

这将包括诸如本金,利息,费用,使用期限和其他项目之类的详细信息,并在单独的行项目中具有可视化表示形式,例如日历,以指示到期付款日期,到期期限何时开始以及其他关键时间表。

 

如果数字贷方收集仅与所提供服务有关的个人数据,并且借款人已明确表示同意,则消费者还将享受数据隐私权。

 

应该请求授予借款人访问权限的各个数据集的许可。如果借款人之间存在共享的联系网络(例如转介),则借款人之间不应共享任何贷款前后的数据。

 

DLAK负责人说:“我们在行业中目睹的由客户带来的一些问题包括侵犯数据隐私权,甚至会严重影响到联系人列表并在未经客户许可的情况下与他们联系。”

 

负责任的贷款和客户服务是新的行为准则中强调的一些管理DLAK成员的措施。

 

肯尼亚数字贷款人协会由12个创始成员组成; Tala,Alternative Circle,Stawika Capital,Zenka Finance,MyCredit,Okolea,LPesa,Kopacent,FourKings Investment Sotiwa,移动金融解决方案,Kuwazo Capital和Finance Plan Limited。

 

PW Kamau和Kamau合作伙伴的Phyllis Kamau表示,DLAK的成员已经给了他们两个月的时间来签署行为准则,欢迎其他行业参与者加入。

 

她说:“我们期待保护消费者,我们敦促所有参与者参与其中。”



Digital Lenders say move to self-regulate not due to CBK pressure

Speaking during the launch of the Association formed earlier this year, DLAK Chairperson Robert Masinde said the move to adopt a self-regulatory framework was a member’s initiative, not in any way influenced by the bank regulator.

 

“The rules and regulations that we are planning to adapt are a self-regulation initiative for the benefit of our consumers,” said DLAK Chair Robert Masinde.

 

The launch of the code of conduct comes a month after the Central Bank of Kenya expressed the need for digital lending applications to be regulated like in the rest of the financial sector.

 

While addressing the media after a Monetary Policy Committee meeting, the Central Bank Governor Patrick Njoroge pointed out that some online lenders were robbing desperate Kenyans ignoring their mandate of offering legitimate lending solutions.

 

“The digital lenders have grown like mushrooms in the country and are not really working for ‘Wanjiku’,” Njoroge said.

 

DLAK says it’s making plans to engage with the Central Bank of Kenya and the National Treasury for advise on some of the measures placed under the code of conduct.

 

Under the new rules and regulations set for DLAK members, consumers will have access to clear pricing, empowering them to make informed decisions on the loan product that best meets their needs.

 

This will include details such as the principal, interest, fees, tenure and other items into separate line items have visual representations such as calendars to indicate due to dates for payment, when past due periods begin and other key timelines.

 

Consumers will also enjoy data privacy where digital lenders collect personal data only relevant to the services provided, and for which the borrower has given express permission.

 

Permission should be requested for individual sets of data that the borrower is granted access to. In the case of shared contact networks between borrowers, such as referrals, no data pre or post loan application details should be shared between borrowers.

 

“Some of the issues we witnessed in the industry brought about by clients include data privacy infringement, going to the extent of perusing in one’s contact list and reach out to them without the client’s permission,” mention the DLAK head.

 

Responsible lending and customer service are some of the measures highlighted under the new code of conduct to govern the members of DLAK.

 

The Digital Lenders Association of Kenya consists of 12 founding members; Tala, Alternative Circle, Stawika Capital, Zenka Finance, MyCredit, Okolea, LPesa, Kopacent, FourKings Investment Sotiwa, Mobile Financial Solutions,Kuwazo Capital and Finance Plan Limited.

 

According to Phyllis Kamau of PW Kamau and Kamau partners, members of DLAK have given themselves a duration of two months to sign the code of conduct and other industry players are welcomed to join in the journey.

 

“We are looking forward to protecting consumers and we urge all players to take part in this,” she said



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