全球智库信息集成服务系统

• Competition and innovation in both the credit information and credit lending markets is a key driver in enabling lenders to access a wider variety of better-quality credit information at a lower cost.
• The use of wider variety of data and more sophisticated analytical techniques in decision making should increase the overall quality of lending decisions, although products for some consumers may be more expensive.
• Technology is both a key enabler and a potential barrier to development in the credit information market.

RAND Europe was commissioned by the Financial Conduct Authority to conduct a piece of forward-looking research to understand how the credit information market might evolve in the future. Using a structured scenario methodology and stakeholder consultation, this project identified the factors influencing change and developed four plausible future scenarios that provide insights into the implications for the credit information market, the lending markets, consumers and wider society.

Four plausible future scenarios were identified for 2030.

• Chapter One

  Introduction

• Chapter Two

  Approach

• Chapter Three

  Future scenarios for the credit information market

• Chapter Four

  Broader implications

• Annex A

  Methodological approach

• Annex B

  Stakeholder Engagement

• Annex C

  Glossary of terms