• Increased access to accurate and comprehensive information about borrowers’ credit history and payment habits enables better assessment of true creditworthiness.

​​

• Streamlined credit decision making process.

​​

• Ability to offer risk-based pricing to customers.

​​

• Lower exposure to risky loans could lead to lower operational costs, improved capital adequacy and reduced provisioning requirements.

​​

• The pool of good borrowers is increased.