International records / OpenAlex research

Impact of Allocative Efficiency on Digital Credit in Nigeria

This study examined the relationship between digital credit and allocative efficiency in Nigeria using three key variables: credit to the private sector, total e-payment value, and the number of internet subscribers. The central question guiding the study was whether increased activity within Nigeria’s rapidly expanding digital financial sector has been associated with deeper credit intermediation to the productive private sector. While the broader literature treated digital credit in relation to financial inclusion, algorithmic scoring, consumer protection, and productivity, this study delibe…