I think it has to do with sophisticated of economy. Most African countries aren't sophisticated enough to actually establish a unified metric credit score. These loan apps wants to take advantage of loaning as a business opportunity, but sadly people would get these money and trying to escape payment.
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Right! The business opportunity can't work well with the lack of a sophisticated economy. Borrowers will get the money and not be able to repay it or the intention of not repaying it in the first place.