This article examines Digital Credit and Over-Indebtedness in East African Mobile Money Markets: A Mixed-Methods Inquiry with a focused emphasis on Malawi within the field of Sociology. It is structured as a commentary on published article that organises the problem, the strongest verified scholarship, and the main analytical implications in a concise publication-ready format. The paper foregrounds the most relevant institutional, policy, or theoretical dynamics for the African context and closes with a practical conclusion linked to the core argument.