Rural Ethiopia Voice-Native Farmer Input Loan Origination
Kill Reason
The load-bearing regulatory claim — that the NBE 2025 Digital Financial Services Directive authorizes voice-consent as legally-binding loan origination for micro-loans — was not verified in web search. NBE Directive No. ONPS/10/2025 and Directive 1069/2025 address digital payments and mobile money but do not explicitly authorize voice-consent for loan origination. Without a clear regulatory rail, the product operates in a legal grey zone requiring MFI-by-MFI legal counsel sign-off.
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