市場調査レポート
商品コード
1329013

クレジットスコアリングの世界市場:2023-2028年

Global Credit Scoring Market 2023-2028

出版日: | 発行: Juniper Research Ltd | ページ情報: 英文 | 納期: 即日から翌営業日

価格
価格表記: GBPを日本円(税抜)に換算
本日の銀行送金レート: 1GBP=205.01円
クレジットスコアリングの世界市場:2023-2028年
出版日: 2023年08月15日
発行: Juniper Research Ltd
ページ情報: 英文
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

クレジットスコアリングへの支出総額は、2028年までに67%増の440億米ドルに達すると予想されます。新興市場が最も大きく成長し、アフリカ・中東地域は予測期間中に117%成長し、2028年には37億米ドルの支出を達成すると予測されます。

主要市場統計

2023年の市場規模 267億米ドル
2028年の市場規模 446億米ドル
2023年から2028年の成長率 67.2%

当レポートでは、世界のクレジットスコアリング市場の動向を調査し、主要セグメントに関する包括的な将来の市場展望、市場機会、新技術の開発や主要促進要因に関する戦略的洞察、競合リーダーボードによる主要ベンダーのランキング、60カ国の市場予測、戦略的提言などをまとめています。

本調査パッケージの構成:

  • 市場動向・戦略(PDF)
  • 競合リーダーボード(PDF)
  • データおよび予測(PDF・Excel)
  • オンラインデータプラットフォームへの12カ月アクセス

目次

第1章 重要ポイント・戦略的提言

第2章 市場情勢

  • イントロダクション
  • 主要促進要因と動向

第3章 セグメント分析

  • 消費者クレジットスコアリング
  • ビジネスクレジットスコアリング
  • 代替クレジットスコアリング
  • オープンバンキング・クレジットスコアリング
  • AI・クレジットスコアリング

第4章 Juniper Researchクレジットスコアリングの競合リーダーボード

  • 本レポートを読む理由
  • ベンダープロファイル
    • 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
  • 評価手法
  • 制限と解釈

第5章 市場予測

  • 市場予測の概要
    • クレジットスコアリングへの総支出額
    • ビジネスクレジットスコアを取得している企業の総数
  • 消費者クレジットスコアリング
    • 消費者クレジットスコアリングへの総支出額
    • クレジットスコアを取得している人の総数
  • ビジネスクレジットスコアリング
    • ビジネスクレジットスコアリングへの総支出
  • ビジネスクレジットスコアを取得している企業の総数
目次

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
  • 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:

  • 1. What will the size of the credit scoring market be in 2028?
  • 2. What impact will AI and machine learning have on credit scoring services?
  • 3. Who are the leading vendors in the credit scoring market?
  • 4. What strategies can players implement to capitalise on the growing credit scoring ecosystem?
  • 5. How will credit scoring increase financial inclusivity of the banked and underbanked populations?

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.

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.

FORECAST SUMMARY

The total spend on credit scoring is expected to grow by 67% to $44 billion by 2028. Emerging markets will experience the greatest growth, forecasting 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 should be used 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, ascertaining a more accurate credit score. The report also urged the use of Open Banking within business credit scoring, as this technology can improve critical lending and access to finance for SMEs.
  • 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, allowing more accurate and predictive credit scoring.

Table of Contents

1. Key Takeaways & Strategic Recommendations

  • 1.1. Key Takeaways for Credit Scoring
  • 1.2. Strategic Recommendations

2. Market Landscape

  • 2.1. Introduction
    • 2.1.1. Definitions and Scope
      • Figure 2.1: Representation of the FICO Credit Score in the US
      • i. Credit Scoring
      • ii. Credit Bureaus
      • iii. Alternative Credit Scoring
  • 2.2. Key Drivers & Trends
    • 2.2.2. Key Challenges

3. Segment Analysis

  • 3.1. Introduction
  • 3.2. Consumer Credit Scoring
  • 3.3. Business Credit Scoring
  • 3.4. Alternative Credit Scoring
  • 3.5. Open Banking and Credit Scoring
  • 3.6. AI and Credit Scoring

4. Juniper Research Credit Scoring Competitor Leaderboards

  • 4.1. Why Read This Report
    • Table 4.1: Juniper Research Competitor Leaderboard - Credit Scoring Vendors
    • Figure 4.2: Juniper Research Leaderboard: Credit Scoring
    • Table 4.3: Juniper Research Leaderboard: Credit Scoring Vendors & Positioning
    • Table 4.4: Heatmap Displaying Scores for Credit Scoring Vendors (Part 1)
    • Table 4.5: Heatmap Displaying Scores for Credit Scoring Vendors (Part 2)
  • 4.2. Vendor Profiles
    • 4.2.1. ClearScore
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.2. Credibble
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.3. Credit Karma
      • i. Corporate
        • Table 4.6: Credit Karma Funding Rounds
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.4. Credit Passport
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research Strategic Recommendations & Key Opportunities
    • 4.2.5. Credit Reference Center for the People's Bank of China
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.6. Creditinfo
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.7. CreditRegistry
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.8. Creditsafe
      • i. Corporate
        • Table 4.7: Creditsafe's Financial Performance ($m), 2019-2021
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.9. CTOS
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients and Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.10. Dun & Bradstreet
      • i. Corporate
        • Table 4.8: Dun & Bradstreet's Financial Snapshot ($m), 2020-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.11. Equifax
      • i. Corporate
        • Table 4.9: Equifax's Financial Snapshot ($m), 2019-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.12. Experian
      • i. Corporate
        • Table 4.10: Experian's Financial Snapshot ($m), 2020-2023
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.13. FICO
      • i. Corporate
        • Table 4.11: FICO's Financial Snapshot ($m), 2019-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 4.12: FICO Platform Architecture
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.14. illion
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.15. Risk Monster
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.16. Teikoku DataBank
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.17. TransUnion
      • i. Corporate
        • Table 4.13: TransUnion's Financial Snapshot ($m), 2019-2022
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
    • 4.2.18. VantageScore
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Strategic Recommendations & Key Opportunities
  • 4.3. Juniper Research Leaderboard Assessment Methodology
  • 4.4. Limitations & Interpretations
    • Table 4.14: Juniper Research's Competitor Leaderboard Scoring Criteria: Credit Scoring

5. Market Forecasts

  • 5.1. Introduction
    • 5.1.1. Business Credit Scoring Forecast Methodology
    • 5.1.2. Consumer Credit Scoring Forecast Methodology
      • Figure 5.1: Business Credit Scoring Methodology
  • 5.2. Market Forecasts Summary
    • 5.2.1. Total Spend on Credit Scoring
      • Figure & Table 5.2: Total Spend on Credit Scoring ($m), Split by 8 Regions, 2023-2028
      • Figure 5.3: Total Spend on Credit Scoring ($m), Split by Business and Consumer, 2023-2028
    • 5.2.2. Total Number of Businesses Obtaining a Business Credit Score
      • Figure & Table 5.4: Total Number of Businesses Obtaining a Business Credit Score (m), Split by 8 Regions, 2023-2028
  • 5.3. Consumer Credit Scoring
    • 5.3.1. Total Spend on Consumer Credit Scoring
      • Figure & Table 5.5: Total Consumer Spend on Credit Scoring ($m), Split by 8 Key Regions, 2023-2028
    • 5.3.2. Total Number of People Obtaining a Credit Score
      • Figure & Table 5.6: Total Number of Subscriber to Credit Scoring Services (m), Split by 8 Key Regions, 2023-2028
      • Table 5.7: Total Number of People Obtaining a Credit Score (m), Split by Subscription and ad hoc, 2023-2028
  • 5.4. Business Credit Scoring
    • 5.4.1. Total Spend on Business Credit Scoring
      • Figure & Table 5.8: Total Business Spend on Credit Scoring ($m), Split by 8 Key Regions, 2023-2028
      • Table 5.9: Total Business Spend on Credit Scoring ($m), Split by Consumer and Business Credit Scoring, 2023-2028
    • 5.4.2. Total Number of Businesses Obtaining a Business Credit Score
      • Figure & Table 5.10: Total Number of Businesses Obtaining a Business Credit Score (m), Split by 8 Key Regions, 2023-2028