Expanding Credit Access Without Increasing Risk in the UK

UK lenders face a difficult balance: expanding access to affordable credit while maintaining strong risk controls. In this mini-episode of Credit in Focus, Neil Allen and Chris Coxhill unpack findings from a study of 100 UK lending professionals, including the reported impact of alternative data on portfolio performance, lending approvals and affordability assessments. They discuss why alternative data should strengthen rather than replace traditional credit information, what is holdin...