出版：Juniper Research（ジュニパーリサーチ） 出版年月：2023年8月
Global Credit Scoring Market 2023-2028
世界のクレジットスコアリング市場 2023-2028年
| 価格 (※) | GBP2,990 |
| 種別 | 英文調査報告書 |
※詳細はこちらをご覧ください。
REPORT OVERVIEW
Juniper Research’s Credit Scoring research report provides a detailed assessment of how credit scoring is ensuring that businesses have a concise analysis on customers, by obtaining a credit report which looks into credit history and credit risk. Alternative credit scoring methods are able to boost financial inclusion, especially in emerging markets with unbanked and underbanked populations, as they assess alternative data variables instead of the typical payment history and instances of late payments.
The report provides a segment analysis, alongside a comprehensive future market outlook for the biggest segments within the credit scoring market. The segment analysis in the report focuses on the following segments:
- Consumer Credit Scoring
- Business Credit Scoring
- Alternative Credit Scoring
- Open Banking and Credit Scoring
- AI and Credit Scoring
In addition, this report covers market opportunities; providing strategic insights into the development of new technologies and key drivers. The report also positions 18 vendors across our Juniper Research Competitor Leaderboard; focusing on credit scoring for businesses and consumers. This provides an invaluable resource for a broad range of stakeholders, including financial institutions, credit bureaus and credit scoring providers seeking to understand the competitive landscape in the market.
The research suite also contains a detailed dataset; providing forecasts for 60 countries across a wide range of different metrics. This includes the number of consumers accessing their credit score on a subscription and ad hoc basis, total spend on consumer credit scoring, the total number of businesses accessing credit scoring services for both consumer credit scores and business credit scores. These metrics are also split by subscription and ad hoc access models.
This research suite comprises:
- Market Trends & Strategies (PDF)
- Competitor Leaderboard (PDF)
- Data & Forecasts (PDF & Excel)
- 12 Months’ Access to harvest Online Data Platform
| Key Market Statistics | |
| Market Size in 2023: | $26.7 billion |
| Market Size in 2028: | $44.6 billion |
| 2023 to 2028 Growth: | 67.2% |
KEY FEATURES
- Market Landscape: A strategic analysis of the major drivers, challenges, and innovations shaping the adoption and development of credit scoring solutions, including the following:
- Detailed analysis of the future evolution of the market and challenges to further growth.
- Future strategic direction and market outlook for credit scoring services.
- Key drivers for credit scoring vendors, including how credit scoring is improving financial inclusion and the benefits of credit scoring services.
- Segment Analysis: An analysis of the key sectors within credit scoring, these include consumer credit rating business credit scoring, alternative credit scoring, Open Banking and credit scoring, and AI and credit scoring, followed by main action points outlining our view on the future outlook of the key segments; providing actionable insights.
- Benchmark Industry Forecasts: Includes forecasts for the total number of credit scoring users split by businesses and consumers, total spend on credit scoring split by consumers and businesses, as well as on a subscription and ad hoc basis. This data is split by across our 8 key forecast regions and 60 countries:
- North America:
- Canada, US
- Latin America:
- Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay
- West Europe:
- Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK
- Central & East Europe:
- Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine
- Far East & China:
- China, Hong Kong, Japan, South Korea
- Indian Subcontinent:
- Bangladesh, India, Nepal, Pakistan
- Rest of Asia Pacific:
- Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam
- Africa & Middle East:
- Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates
- North America:
- Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 18 credit scoring vendors:
- ClearScore
- Credibble
- Credit Karma
- Credit Passport
- Credit Reference Center for the People’s Bank of China
- Creditinfo
- CreditRegistry
- Creditsafe
- CTOS
- Dun & Bradstreet
- Equifax
- Experian
- FICO
- Illion
- Risk Monster
- Teikoku DataBank
- TransUnion
- VantageScore
KEY QUESTIONS ANSWERED
- What will the size of the credit scoring market be in 2028?
- What impact will AI and machine learning have on credit scoring services?
- Who are the leading vendors in the credit scoring market?
- What strategies can players implement to capitalise on the growing credit scoring ecosystem?
- How will credit scoring increase financial inclusivity of the banked and underbanked populations?
DATA & INTERACTIVE FORECAST
The forecast contains a strong set of datapoints, covering the key areas within credit scoring. These include the following:
- Key Users (Consumers and Businesses)
- Service Types (Subscription and Ad hoc)
- Number of Users
- Value of Spend
Metrics include the total number of users, the number of credit scoring transactions and total spend on credit scoring.
Geographical splits: 60 countries
Number of tables: Over 48 tables
Number of datapoints: Over 21,000 datapoints
harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform enabling clients to better understand key data trends and manipulate charts and tables; overlaying different forecasts within the one chart – using the comparison tool. Empower your business with our market intelligence centre, and receive alerts whenever your data is updated.
Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare selected markets side by side in customised charts and tables. IFxls greatly increase a client’s ability to both understand a particular market and to integrate their own views into the mode.
COMPANIES REFERENCED
Case Studied: Accion, Credit Kudos, FinScore, Zest AI.
Included in the Juniper Research Competitor Leaderboard: ClearScore, Credibble, Credit Karma Inc, Credit Passport/CRIF, Credit Reference Center for the People’s Bank of China, Creditinfo, CreditRegistry, Creditsafe, CTOS, Dun & Bradstreet, Equifax, Experian, FICO, illion, Risk Monster, Teikoku DataBank, TransUnion, VantageScore.
Mentioned:
500 Global, AA, Advent International, Amazon, American Airlines, American Express, ANZ, Aqua, Aso Savings, Bank Australia, Bank of Ireland, Barclays, Bilcar, Black Knight, Inc, Blenheim Chalcot, BMW, Cannae Holdings, Capital One, CapitalG, CC Capital, Chase, Citi Foundation, COSMOSNET, CRC (Tianjin) Movables Interest Registry Co., Ltd, Digital Matrix Systems, Digitilytics AI, Discover, DLA Piper, Ecobank, EDF Energy, Fair Go Finance, FCMB, Federal Credit Union, Felicis, Fidelity, First State Credit Union, FirstBank, Fiserv, FMO (Dutch Development Bank), Forbes, Founders Fund, Freddie Mac, Fujitsu, Funding Circle, Future Fifty, Gabi Personal Insurance Agency, Inc, GBG, Goldman Sachs, GTBank, Halifax, HIBP, Hitachi, iBilik, Ikano Bank, Intuit, Invus Opportunities, iovation, JCDecaux, John Lewis, Johnson& Johnson, LeadEdge Capital, Leeds Building Society, Lend, LendingClub, Lendingtree, Letshego Kenya, LexisNexis, LLC, Lloyds, Loans Plc, Lotus Bank, LP, M&S, MailChimp, Mastercard, McDonald’s, MetLife Foundation, Mint, Mitsubishi UFJ Bank, Mizuho Bank, Money Dashboard, Monzo, Moody’s Analytics, MTA, MTN, Nationwide, NatWest, NCBA, nCino, Nesta, Neustar, Inc, NewDay Partners, Noodle, O2, Origence, Panasonic, Pathfinder, PayPal, PolicyStreet, Post Office, Property Guru, QED Investors, QuickBooks, RBS, Resona Bank, Revolut, Rightmove, Rosabon Financial Services, Sainsbury’s Bank, Samsung, Santander, Savvy, Scania, Schufa Holding AG, SeedFi, Shanghai Credit Information Services Co., Ltd, Shawbrook Bank, Silver Lake, Sinoinfo (Beijing) Credit Reference Co., Ltd., Sontiq, Sony, Southern Midlands Council, StepChange, Sumitomo Mitsui Banking Corporation, Sun Coast Credit Union, Susquehanna Growth Equity, SVA, Synchrony Bank, TD Bank, Telefónica, TendoPay, Tesco, Thomas H Lee Partners, Tiger Global Management, tonik, Trnsact Credit, TrueCredit.com, TurboTax, UnionBank, United Bank for Africa, Upstart, Verisk Financial Services, Viking Global Investors, Virgin Money, VisionFund, Vodafone, Volvo, VyStar Credit Union, Wells Fargo, Wise, Zenith, Zopa, Zurich Finance Corp.
Table of Contents
Global Credit Scoring Market 2023-2028
1.Key Takeaways & Strategic Recommendations
2.Market Landscape
3.Segment Analysis
4.Juniper Research Credit Scoring Competitor Leaderboards
5.Market Forecasts
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レポート構成＆価格表
| GBP 2,990 | |
[プレスリリース]
CREDIT SCORING MARKET TO GENERATE ALMOST $27BN IN 2023; DRIVEN BY OPEN BANKING AND AI
Alternative Credit Scoring Data to Supercharge Financial Inclusion
Hampshire, UK – 15th August 2023: A new study from Juniper Research, the foremost experts in financial technology markets, expects credit scoring services to grow by 67% to $44 billion by 2028.
Boosting Financial Inclusion
The report anticipates that emerging markets will experience the greatest growth; projecting the African & Middle Eastern region to grow by 117% over the forecast period, achieving a spend of $3.7 billion in 2028. Driving this growth will be the inclusion of alternative data into underwriting models. Using input from sources such as social media activity and monthly utility bills enables lenders to expand into unbanked and underbanked populations throughout emerging markets; opening up new customer segments and boosting financial inclusion.
Open Banking Vital to Alternative Scoring Models
The report urges the use of Open Banking within alternative credit scoring; enabling credit bureaus and other providers to access bank account transaction information. This helps enrich credit data, creating a holistic view of the consumer; determining a more accurate credit score. The report also urges the use of Open Banking within business credit scoring, as this technology can improve critical lending and access to finance for SMEs.
Research author Cara Malone remarked: “Open Banking can address numerous challenges, especially relating to cashflow and debt management. At present, the use of Open Banking in business credit scoring is lagging. It creates greater ease and transparency of sharing financial data; elevating business credit scoring, unlocking greater access to lending.”
AI Important for Decreasing Thin Files in Developing Markets
Alternative credit data and embedded scoring models are efficient means of boosting access to finance, and when combined with Open Banking and AI, they will grant access to new customer segments. This will enable providers to help alleviate issues with thin files, where limited information is held on individuals and businesses, in both developing and developed markets; enabling more accurate and predictive credit scoring.