Affordability, data and decisioning: Redefining access to credit
12 March | 10:00 -11:00 | Zoom meeting
This discussion will be led by...

Head of Product & Membership
Credit Strategy

Strategy, Innovation and Design, Financial Crime Compliance
Natwest
Join this session to discuss key themes in a private forum with 6-10 peers from across the credit industry.
As lenders gain access to richer data sources and more advanced decisioning tools, affordability assessments are becoming more dynamic, granular, and central to how credit is offered and controlled.
Examine how new and alternative data is being used to deepen understanding of customer behaviour and decision patterns. The discussion will explore what effective affordability assessment should look like in the coming years, and how organisations can strike the right balance between credit risk management, financial inclusion, and fair customer outcomes.
Participants will also debate whether increasingly data-driven decisioning is widening or narrowing access to credit, and how strategies, governance, and operating models may need to evolve in response to rising expectations from regulators, consumers, and society.
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