Digital credit loans, accessed and repaid through mobile phones, have proved enormously popular since M-Shwari was first launched in 2012. There is a remarkable demand for both SME and small consumer loans. They are clearly offering a valuable and important service for the mass market. However, there are growing questions about the design of the consumer lending products and the unanticipated effects arising from them. Providers will need to address these if they are to realise the full potential of digital credit. This presentation was made by Graham A.N. Wright, Director MicroSave at a webinar conducted by The DFS Observatory at Columbia University. In his presentation, Graham Wright highlighted evidence from Kenya, Uganda & India.