This note analyzes the evolution of Credit Information Systems, including the emergence of new technologies that use alternative data in credit decisioning and the opportunities and risks associated with these trends. This paper also predicts the potential development effect of these disruptive...

With an increasing share of populations dwelling in cities, urban emission reduction is gaining priority at the national level. A high share of greenhouse gas (GHG) emissions in the global footprint is ultimately attributable to urban areas; as such, the effect of carbon lockin further increases...