How Digital Collateral Is Revolutionising Credit In Emerging Markets

Originally published in Forbes. Author&rsquo;s archive copy. In a bustling workshop in Bogotá, Colombia, James Downer is busy assembling e-bikes. He is reimagining how to bring financial services to Latin America&rsquo;s informal economy. His startup Guajira Bikes manufactures e-bikes with a unique feature: they can be remotely disabled if payments are missed. These vehicles are sold to Venezuelan…