What question did this study set out to answer?

The study aims to examine how algorithmic credit adoption affects borrower financial outcomes, considering the roles of digital financial literacy and institutional safeguards.

February 8, 2026Business foraOpen Access

Algorithmic Credit, Digital Financial Literacy, and Institutional Safeguards: Evidence from Digital Lending Adoption in an Emerging Market

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CFChristian Anthony FloresBulacan State University

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Implication

A quantitative analysis reveals how digital financial literacy and safeguards impact borrower outcomes in digital lending.

Key Points

The study aims to examine how algorithmic credit adoption affects borrower financial outcomes, considering the roles of digital financial literacy and institutional safeguards.
Quantitative, cross-sectional research design
Primary survey data from users of digital lending platforms
Descriptive statistics and correlation analysis
Multiple regression and moderation analysis of financial outcomes
Algorithmic credit adoption improves repayment behavior and short-term financial resilience
Increased perceived financial stress observed among borrowers
Digital financial literacy enhances positive outcomes and mitigates stress effects
Institutional safeguards improve transparency, accountability, and consumer protection

Cite This Study

Christian Anthony Flores (2026) studied this question.

synapsesocial.com/papers/698828530fc35cd7a8847bab https://doi.org/10.62718/vmca.bf-baiij.6.2.sc-1225-021

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Algorithmic Credit, Digital Financial Literacy, and Institutional Safeguards: Evidence from Digital Lending Adoption in an Emerging Market

Discussion

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Implication

Key Points

Cite This Study

Algorithmic Credit, Digital Financial Literacy, and Institutional Safeguards: Evidence from Digital Lending Adoption in an Emerging Market

Discussion

Member takes

Implication

Key Points

Cite This Study

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