| Abstract | Digital micro-lending has emerged as a transformative financial innovation
aimed at improving access to credit for low-income and marginalized
populations. By leveraging mobile technology, digital platforms, and
alternative data, digital micro-lending reduces barriers that traditionally
excluded the poor from formal financial systems. At the same time, social
security systems seek to protect vulnerable populations from economic shocks
such as illness, unemployment, disability, and old age. This paper explores the
role of digital micro-lending in supporting social security objectives for the
poor. It examines how digital micro-lending complements social protection
programs, enhances financial inclusion, promotes economic resilience, and
contributes to poverty reduction. The paper also discusses challenges such as
over-indebtedness, data privacy concerns, and regulatory gaps, and offers
policy recommendations for sustainable integration of digital finance and
social security systems.
Keywords: Digital micro-lending, social security, financial inclusion,
poverty reduction, fintech
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