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市場調查報告書

替代性金融信貸評分:主題調查

Alternative Financial Credit Scoring - Thematic Research

出版商 GlobalData 商品編碼 989960
出版日期 內容資訊 英文 38 Pages
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替代性金融信貸評分:主題調查 Alternative Financial Credit Scoring - Thematic Research
出版日期: 2021年02月15日內容資訊: 英文 38 Pages
簡介

替代信用評分市場由提供商類型和商業模式的廣泛生態系統組成。從定義上講,許多以替代貸方,利基金融技術提供商和大型技術的形式存在於傳統金融服務之外。同時,現有的銀行也在進行創新,競爭對手的銀行和徵信機構引入了各種新的以數據為依據的決策方法,尤其是在新興市場中。

本報告探討了金融服務行業信用評分的替代方法,並提供了有關行業和監管趨勢,規模和增長預測,競爭條件等的信息。

目錄

目錄

執行摘要

  • 市場公司
  • 專題簡報
  • 趨勢
    • 技術趨勢
    • 宏觀經濟和政治趨勢
    • 監管趨勢
  • 行業分析
    • 市場規模和增長預測
    • 併購
    • 時間軸
  • 價值鏈
    • 利基金融科技/替代貸款人
    • 大技術
    • 徵信局
    • 聚合器
  • 公司
    • 大技術
    • 徵信局
    • 利基金融科技/替代貸款人
    • 銀行
  • 行業記分卡
    • 銀行部門計分卡
  • 詞彙表
  • 參考
  • 主題調查方法
  • 關於全球數據
  • 聯繫我們

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目錄
Product Code: GDRB-TR-S028

Alternative lenders and big tech have developed fundamentally new approaches to credit assessment, incorporating a wider variety of data sources such as history of utility bill payments, rent payments, repayments to payday lenders, social media data, browsing and search history, employment history, educational background, and even psychometric testing. This report explores the alternative approaches to credit scoring that are being deployed in the financial services industry.

The market for alternative credit scoring comprises a vast ecosystem of provider types and business models. Much of it exists, by definition, outside of traditional financial services in the form of alternative lenders, niche fintech providers, and big tech. However, incumbent banks are also innovating, while challenger banks and credit bureaus are launching a variety of new data-driven decision-making techniques - especially in emerging markets.

Scope

  • Amid COVID-19, the millions of otherwise careful, frugal customers, who scored well under traditional models have become non-creditworthy. Continued reliance on traditional risk measures could prove pro-cyclical, choking off credit supply for those struggling small businesses that will be so critical to economic recover.
  • Big data technology allows alternative lenders to collect and use a larger volume and variety of data points. For example, Ant Financial and Mercado Libre claim that their credit quality assessment typically involves more than 1,000 data series per loan applicant.
  • Digital technologies - cloud, robotic process automation, big data - help digital lenders process massive loan volumes quickly and restructure loans at minimal marginal costs.

Reasons to Buy

  • Understand the key technology, macroeconomic, political, and regulatory trends driving alternative credit scoring.
  • Access the latest consumer survey data on evolving channel behavior, provider preferences, and product holding.
  • Understand key competitive inroads for alternative lenders to gain market share.
  • Understand market share and growth prospects for niche fintech and big tech lenders.
  • Access firm-level/case study insight on leading fintech credit risk partners for incumbent banks.

Table of Contents

Table of Contents

Executive summary

  • Players
  • Thematic briefing
  • Trends
  • Technology trends
  • Macroeconomic and political trends
  • Regulatory trends
  • Industry analysis
  • Market size and growth forecasts
  • Mergers and acquisitions
  • Timeline
  • Value chain
  • Niche fintech/alternative lenders
  • Big tech
  • Credit bureaus
  • Aggregators
  • Companies
  • Big tech
  • Credit bureaus
  • Niche fintech/alternative lenders
  • Banks
  • Sector scorecards
  • Banking sector scorecard
  • Glossary
  • Further reading
  • Our thematic research methodology
  • About GlobalData
  • Contact Us