Financial credit

Global Alternative Financial Rating Thematic Research Report 2021 –

DUBLIN – (COMMERCIAL THREAD) – The report “Alternative Financial Credit Scoring – Thematic Research” has been added to offer.

This report explores alternative credit scoring approaches that are being deployed in the financial services industry.

Alternative lenders and big tech have developed fundamentally new approaches to credit scoring, integrating a wider variety of data sources such as utility bill payment history, rent payments, mortgage repayments, etc. payday lenders, social media data, browsing and search history, work history, background studies, and even psychometric tests.

The alternative credit rating market comprises a large ecosystem of vendor types and business models. Much exists, by definition, outside of traditional financial services in the form of alternative lenders, providers of advanced technology and big technology.

However, incumbent banks are also innovating, as competing banks and credit bureaus are launching a variety of new data-driven decision-making techniques – especially in emerging markets.


  • In the midst of COVID-19, the millions of otherwise cautious and frugal customers, who have performed well under traditional models, have become insolvent. Continued reliance on traditional risk measures could prove to be pro-cyclical, stifling the supply of credit for the struggling small businesses that will be so critical to economic recovery.

  • Big data technology allows alternative lenders to collect and use greater volume and a greater variety of data points. For example, Ant Financial and Mercado Libre state that their credit quality assessment typically involves more than 1,000 sets of data per loan applicant.

  • Digital technologies – cloud, robotic process automation, big data – help digital lenders quickly process massive loan volumes and restructure loans at minimal marginal costs.

Reasons to buy

  • Understand the main technological, macroeconomic, political and regulatory trends that lead to alternative credit scoring.

  • Access the latest consumer survey data on changing channel behavior, supplier preferences and product ownership.

  • Understand the main competitive forays of alternative lenders to gain market share.

  • Understand the market shares and growth prospects of fintech lenders and large tech lenders.

  • Access enterprise-level information / case studies on leading fintech credit risk partners for incumbent banks.

Main topics covered:

  • Abstract

  • Players

  • Thematic briefing

  • Tendencies

  • Technological trends

  • Macroeconomic and political trends

  • Regulatory trends

  • Industry Analysis

  • Market size and growth forecasts

  • Mergers and Acquisitions

  • Chronology

  • Value chain

  • Niche FinTech / Alternative Lenders

  • Great technology

  • Credit bureaus

  • Aggregators

  • Companies

  • Great technology

  • Credit bureaus

  • Niche FinTech / Alternative Lenders

  • Banks

  • Sector dashboards

  • Banking sector dashboard

Companies mentioned

  • Amazon

  • Facebook

  • Apple

  • Alphabet

  • Tinkoff Bank

  • AIB

  • A capital letter

  • WeBank

  • My bank

  • Monzo

  • NatWest

  • RBS

  • Danske Bank

  • DBS

  • BST

  • BBVA

  • Citibank

  • mBank

  • Revolution

  • Agricultural credit

  • Barclays

  • Credit scale

  • NovaCredit

  • Experiential

  • Equifax

  • TransUnion

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