Zidisha is working very hard to bring down the default rate. But as this is a relatively new approach, a lot of things can only be learned through experimentati

Zidisha is working very hard to bring down the default rate. But as this is a relatively new approach, a lot of things can only be learned through experimentation. So far the results are encouraging and if this trend continues default rate should come down even further. You can read about some of the efforts here: http://venturebeat.com/2014/08/20/y-combinator-backed-zidisha-has-been-stomping-down-non-performing-loans-with-some-extra-tech/ http://venturebeat.com/2014/08/20/y-combinator-backed-zidish... Hope it helps and do share any feedback/suggestions you have. Thanks!