Digital Credit and Savings Risk Management - MNO + Bank

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Question 1

Thank you to enter here your Name, Title, Institu

CREDIT RISK

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Question 2

Who is responsible for assessing the risk ? How do we split the responsability ?

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Question 3

what are your KYC policies ? (the credit decision criterias)

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Question 4

What is the credit limit for the client ? What is the threshold for the company ?

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Question 5

Are they default policies defined by the regulator ? If so, which ones ? If not, which policies have you implemented ?

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Question 6

What if the default turns into non repayment ?

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Question 7

How do you reward the clients paying back on time or in advance ?

Comments

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Question 8

What are mechanisms in place to protect the clients savings ?

LIQUIDITY RISK (only for the Financial Institution)

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Question 9

How do you make sure that you are liquid enough to face all your credit engagements ?

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Question 10

How do you use the digital savings collected ? (allocated to other activities or only to DFS activities ?)

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SOLVENCY RISK

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Question 11

What is the role of the Central Bank in the landscape of the DC'&S ? Do they impose higher threshold because of this particular product ? What is the role of the Central Bank in the landscape of the DC'&S ? Do they impose higher threshold because of this particular product ?

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Question 12

What are the keys solvancy ratios used in the DC'&S ?
1. For the institution ?
2. For the agents ?)

INTEREST RATE RISK

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Question 13

What is the impact of the interest cap set by the regulator ?

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Question 14

Is there a competition in the market concerning the interest rate ?

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Question 15

How do you define your interest rate ? (financing, client default,...)

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Question 16

Is the interest rate different when a default payment occurs ? How do you define it ?

COUNTERPARTY RISK

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Question 17

What are the main partnership criteria ?

Comments

STRATEGIC RISK

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Question 18

How did you identify your needs for the product launching ? Did you talk to clients ?

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Question 19

What is the strategy to face the competition ? (new comers)

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Question 20

How did you define your resource allocation ?

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Question 21

How do you face the potential competition from your partner ?

REGULATORY RISK

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Question 22

What is the level of knowledge and involvement of the regulator in Digital Credit '& Savings ?

Comments

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Question 23

What are the requirements for AML, CFT and KYC (lack of identification documents) ? Who is responsible for each component?

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Question 24

What is the risk of a changing regulation ?

Comments

POLITIC RISK

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Question 25

What is the risk of government intervention in your service (shutting it down) ?

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Question 26

What is the involvement of the government in the DC'&S sector ?

PARTNERSHIP RISK

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Question 27

How do you manage the strategy divergence ?

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Question 28

What are the specific agreements of the partnership ? (contract details)

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Question 29

What do you do if your partner is not reliable ?

FRAUD RISK (INTERNAL '& EXTERNAL)

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Question 30

What are the processes in place to prevent and manage internal fraud ?

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Question 31

What are the verifications processes when the client withdraw the money ?