This research analyzes a series of questions pertaining to the impacts on microfinance institutions (MFIs) when using credit bureau data (conventionally referred to as credit files) for purposes of underwriting credit; for the same purposes, it also analyzes credit scoring models and credit decisioning platforms that use credit bureau data.
This study examines how shifting to full file credit sharing systems might impact lender competition. It specifically explores whether bank concentration falls following a shift to full-file credit sharing.
This report details the impacts of more comprehensive credit reporting in Australia and New Zealand. The report summarizes the results from a joint undertaking by PERC and Dun & Bradstreet Australasia using credit data from 1.8 million Australians.
PERC’s Roadmap to Reform details the benefits of comprehensive credit reporting, as well as detailing transitional challenges of switching to a full-file system.
This white-paper, produced for the Asia-Pacific Credit Coalition, outlines recent developments in the economic impact of information sharing in consumer credit markets.
As the Brazilian congress weighs its options, we survey and analyze the more comprehensive and systematic of the studies to detail important lessons to consider on the eve of credit reporting reform in Brazil.
The study assesses the impact of varying participation rates on access to credit and default rates in Latin America. A series of micro-simulations demonstrates the importance of participation in a private, full-file credit reporting system.
The study compares the fragmented Japanese consumer credit reporting regime with a hypothetical comprehensive one. Impacts of the varying regimes — each with different types and amounts of payment information available to creditors — upon access to credit and default rates, growth in lending to the private sector and overall economic growth are examined.