信用决策状态

Contents 3Executive summary 5Operational complexity becomes a strategic 6Application friction drives customer attrition 7Traditional data creates blind spots in riskmanagement 8Precision-decisioning powers the next phase of 9Expanding access to credit depends on redefining 10Key takeaways Executive summary Research among nearly 3,000 global lenders and over 250 U.S. small and mediumbusiness (SMB) borrowers shows how credit decisioning is evolving across consumerand small business lending. As lenders combine traditional, backward‑looking creditinputs with real‑time behavioral signals, the findings highlight growing execution Alternative datarefers to non‑traditional data sources used toassess creditworthiness beyondbureau scores and standardfinancial statements such as CHALLENGE Operational complexity becomes a strategic constraint Despite technological advances, lending processes remain highly manual andfragmented. More than eight in ten lenders say manual processes are the primarydriver of operational inefficiency and only 4% use a single integrated platform forthe full decisioning process. With 91% agreeing that operational efficiency is nowas important as portfolio performance, modernizing infrastructure has become a Transaction datais the record of a business’s day‑to‑dayfinancial activity, such assales, payments, deposits,withdrawals and transfers,showing how money moves inand out over time. Consentedinsights from transaction datacapture real‑time revenue, Application friction drives customer attrition Slow decisioning is costing lenders relationships and revenue, especially when lendingto SMBs. Over two‑thirds say time‑to‑decision in SMB underwriting has increasedin the last five years, while only 13% offer real‑time or same‑day SMB decisioning.The consequences are tangible, as applicants abandon the process when asked foradditional documentation, during verification steps and when decisions are delayed, ROOT CAUSETraditional data creates blind spots in risk management Financial statements and tax documents (66%) remain the top source of data forSMB lending, while 89% still use at least one form of traditional data for consumerlending — even though 81% of lenders admit traditional inputs are insufficient foraccurately assessing both SMB and consumer creditworthiness. Lenders are alsograppling with rising fraud and regulatory requirements that further complicate Global regions included inthe survey of lenders includeNorth America (NAM), AsiaPacific (AP), Europe (EUR),Latin America & the Caribbean(LAC) and Eastern Europe, theMiddle East & Africa (EEMEA). REASON TO ACTPrecision-decisioning powers the next phase of growth Rising costs per loan originated and constrained access to credit are leading to ashift from volume‑driven strategies toward precision decision models that prioritizeaccuracy, efficiency, and portfolio performance. Alternative data is one key enablerof this transition, by providing a more accurate and timely view of borrower financialhealth. The impact is tangible, as a majority of lenders report that moving beyondtraditional data sources has had a positive impact on outcomes like approval rates, OPPORTUNITYExpanding access to credit depends on redefining how creditworthiness is measured Nearly half of SMB borrowers report unfavorable credit outcomes in the last twoyears, with disproportionate impact on women, smaller businesses and those withlimited credit history. Lenders recognize the gap: 88% wish they had more data toevaluate thin‑file SMB and consumer applicants and 89% believe they could approvemore creditworthy borrowers with better tools. Greater visibility into businessperformance is one way to responsibly improve credit access for the underserved, as Operational complexity becomes astrategic constraint A similar trend holds for consumer lending, where 37% oflenders say a majority of consumer credit applications require ●SMB BORROWERS ARE FEELING THE Fragmentation of decisioning infrastructure also remainspervasive, exacerbating operational bottlenecks. A majority(56%, 62% AP) of lenders use more than five external dataproviders to inform credit decisioning, while only 4% use asingle integrated platform to handle the full credit decisioning 83%have experienced pain points withbusiness credit applications in the last two #1difficulty cited was excessive paperwork Solving these challenges has moved beyond operationalimprovement to a core driver of competitive differentiation.The vast majority (91%) of lenders agree,“Operationalefficiency is now as important as portfolio performance in ourcredit strategy,”and 76% say modernizing credit decisioningis a high or critical priority over the next two years. Alternativedata is one key piece of this puzzle, providing real‑time FUTURE COMPETITIVE ADVANTAGE WILL HINGEON REPLACING DISJOINTED INFRASTRUCTURE Legacy infrastructure is buckling under the weight ofmodern lending demands as lending processes remain