The future of data-driven relationship innovation in the microfinance industry
研究小额信贷机构如何通过数据驱动创新识别并融入关系维度以缓解贫困，基于文献综述、主题分析和20位经理访谈，确认信任和承诺是关键关系能力。
Data-driven innovation (DDI) initiatives by microfinance institutes have transformed the global poverty alleviation landscape. Despite the fact that relationship building is one of the primary goals of DDI initiatives in microfinance operations, there has been little research on the dimensions of relationship quality. This study examines how DDI initiatives recognize and incorporate relational dimensions in their service offerings to alleviate poverty. Drawing on a systematic literature review, thematic analysis and interviews with 20 microfinance managers, this research explores the relationship quality parameters that need to be leveraged. Grounded in the resource-based theory, the findings of this study confirm trust and commitment as two key relationship capabilities. The findings contribute to a better understanding of how microfinance institutes can use DDI to achieve sustainable competitive advantage.