Fintech and Household Resilience to Shocks: Evidence from Digital Loans in Kenya

Many thanks to Financial Sector Deepening Kenya for funding this research and to Nikita Kohli and Layane El-Hor for her superb research assistance. This research was conducted in collaboration with Innovations for Poverty Action, Kenya. We are also grateful to seminar audiences at Berkeley Haas, Sloan, The World Bank, Apple University, Microsoft Research, Michigan, George Washington, University of Washington and MIT for comments. Institutional Review Board (IRB) approvals for the data collection were obtained from MIT. Suri is the corresponding author: E62-524, 100 Main Street, Cambridge MA 02142. Email:tavneet@mit.edu. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.