The demand for digital financial services has risen significantly over recent years. The COVID-19 pandemic has accelerated this trend and since the focus has shifted towards economic recovery, digital lending has become central. Digital credit products exploit traditional and alternative...

Shared values are deemed necessary as a solid foundation for social cohesion by commentators and observers in many countries. However, when examining what kind of values this is based on, answers often come down to platitudes and national clichés. This discussion paper offers some clarification...