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Consumer

CIMS: Reshaping the future of credit reporting

The credit industry is undergoing its most significant transformation in decades due to the Financial Conduct Authority's (FCA) Credit Information Market Study (CIMS), finalised in December 2023. This blog outlines [...]
March 23, 2025

Latest Blog Posts

Credit Risk Why UK banks can't model their way out of a climate data problem and the solution is already available to them.

When the UK's biggest banks gathered recently to address inconsistencies in their climate risk disclosures, the urgency was understandab [...]

June 19, 2026
Affordability From Re-commerce to 35-Year Mortgages: 5 Trends Shaping the Future of Credit

The UK consumer mindset has undergone a permanent shift. Our latest Spending and Lending: Key Trends in UK Consumer Credit, revea [...]

March 13, 2026
Fraud Prevention Redress Readiness: Are motor finance lenders prepared for the challenges ahead?

The impending motor finance redress scheme is already being compared to the Payment Protection Insurance (PPI) situation, representing a [...]

December 04, 2025
Authentication and Verification Digital ID in the UK: Real-world implications in a commercial world

Last week's announcement of a UK government-backed digital identity system, with Prime Minister Keir Starmer suggesting mandatory us [...]

November 26, 2025
Consumer CATO Unlocked: The Data Revolution driving fairer Lending

In an era defined by economic shifts and heightened regulatory scrutiny, the UK lending landscape has undergone a dramatic transformatio [...]

November 06, 2025
Consumer The Data Dilemma: Why Your Decisions Need to be Real-Time

In today's fast-paced lending landscape, the pressure is on. Customers expect instant decisions and seamless digital experiences, w [...]

October 20, 2025