11 trends shaping credit assessment this year

1.    Inclusion of Alternative Data Spurred by a combination of factors, Lenders are actively looking to include more and different types of data in decisioning processes. Notably the fallout from lockdowns in recent years has exposed the limits of traditional data. While exact models vary, traditional bureau credit scores consider the last 5 to 7 […]

A question of character for SME lending

Getting to know the ‘missing middle’? ?Micro, small and medium enterprises (MSMEs) are the lifeblood of economic growth; however, they need investment to thrive, and often face the same tough due diligence requirements as larger enterprises. Lenders often rely on limited data to make credit decisions, giving them little insight into who they are really […]

Regional Focus: Credit inclusion in Latin America

Latin America and the Caribbean is a region of diversity and contrast. While it is home to hubs of innovation and technology, challenges to financial inclusion persist. Access to financial services varies widely between regions and segments of society. It is reported that 45% of the adult population do not hold a bank account and […]