{"id":991648,"date":"2026-02-26T14:13:50","date_gmt":"2026-02-26T14:13:50","guid":{"rendered":"https:\/\/ukpostcode.org\/content\/?p=991648"},"modified":"2026-02-26T14:13:50","modified_gmt":"2026-02-26T14:13:50","slug":"tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims","status":"publish","type":"post","link":"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/","title":{"rendered":"Tech-Driven Credit Reform Could Add \u00a37bn to UK GDP, New Economic Report Claims"},"content":{"rendered":"<p>&nbsp;<\/p>\n<hr \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_What_the_Report_Says_%E2%80%94_Key_Findings\" title=\"\u00a0What the Report Says \u2014 Key Findings\">\u00a0What the Report Says \u2014 Key Findings<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#Why\" title=\"Why?\">Why?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#What_Is_Open_Banking\" title=\"What Is Open Banking?\">What Is Open Banking?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Why_This_Matters_to_the_UK_Economy\" title=\"\u00a0Why This Matters to the UK Economy\">\u00a0Why This Matters to the UK Economy<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Potential_GDP_Impact\" title=\"\u00a0Potential GDP Impact\">\u00a0Potential GDP Impact<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#Financial_Inclusion_Benefits\" title=\"Financial Inclusion Benefits\">Financial Inclusion Benefits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_What_Experts_and_Industry_Leaders_Are_Saying\" title=\"\u00a0What Experts and Industry Leaders Are Saying\">\u00a0What Experts and Industry Leaders Are Saying<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_ClearScores_View\" title=\"\u00a0ClearScore\u2019s View\">\u00a0ClearScore\u2019s View<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Broader_Industry_Perspective\" title=\"\u00a0Broader Industry Perspective\">\u00a0Broader Industry Perspective<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_What_Reform_Could_Look_Like\" title=\"\u00a0What Reform Could Look Like\">\u00a0What Reform Could Look Like<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Broader_Economic_Context\" title=\"\u00a0Broader Economic Context\">\u00a0Broader Economic Context<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Bottom_Line\" title=\"\u00a0Bottom Line\">\u00a0Bottom Line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_The_Report_in_Focus\" title=\"\u00a0The Report in Focus\">\u00a0The Report in Focus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Case_Study_1_%E2%80%94_Open_Banking_in_Marketplace_Lending\" title=\"\u00a0Case Study 1 \u2014 Open Banking in Marketplace Lending\">\u00a0Case Study 1 \u2014 Open Banking in Marketplace Lending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Case_Study_2_%E2%80%94_Expanding_Inclusive_Credit\" title=\"\u00a0Case Study 2 \u2014 Expanding Inclusive Credit\">\u00a0Case Study 2 \u2014 Expanding Inclusive Credit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Expert_Industry_Commentary\" title=\"\u00a0Expert &amp; Industry Commentary\">\u00a0Expert &amp; Industry Commentary<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Fintech_Leaders\" title=\"\u00a0Fintech Leaders\">\u00a0Fintech Leaders<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Broader_Context_%E2%80%94_Open_Banking_Financial_Innovation\" title=\"\u00a0Broader Context \u2014 Open Banking &amp; Financial Innovation\">\u00a0Broader Context \u2014 Open Banking &amp; Financial Innovation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Key_Takeaways\" title=\"\u00a0Key Takeaways\">\u00a0Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/ukpostcode.org\/content\/tech-driven-credit-reform-could-add-7bn-to-uk-gdp-new-economic-report-claims\/#_Final_Comment\" title=\"\u00a0Final Comment\">\u00a0Final Comment<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"_What_the_Report_Says_%E2%80%94_Key_Findings\"><\/span>\u00a0What the Report Says \u2014 Key Findings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A new white paper from fintech group ClearScore suggests that <strong>modernising how creditworthiness is assessed in the UK<\/strong> \u2014 especially using <strong>open banking and AI technologies<\/strong> \u2014 has the potential to add <strong>up to about \u00a37 billion per year<\/strong> to the country\u2019s gross domestic product (GDP). (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why\"><\/span>Why?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>According to the report:<\/p>\n<ul>\n<li><strong>Traditional credit models<\/strong> rely on limited data and may <strong>exclude millions of creditworthy people<\/strong> from access to loans and other credit products. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>Up to <strong>17 million UK adults<\/strong> could be underserved by current credit systems, representing an estimated <strong>\u00a32 billion gap in credit supply<\/strong> if access were improved. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>Using <strong>richer financial data from open banking<\/strong> and <strong>AI-powered risk assessment<\/strong>, up to <strong>60 % of people currently denied credit could be shown to be creditworthy<\/strong>. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>In areas where open banking credit decisioning is already used, <strong>marketplace lending volumes have risen by around 14 %<\/strong>, showing early productivity gains. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_Open_Banking\"><\/span>What Is Open Banking?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Open banking refers to systems where banks <strong>share customer-permissioned financial data<\/strong> (such as transaction histories) with third-party financial service providers. This allows apps and lenders to <strong>assess affordability more precisely<\/strong> than with traditional credit bureau data alone. (<a title=\"Open Banking Solutions | Experian\" href=\"https:\/\/www.experian.com\/business\/solutions\/data-solutions\/open-banking-solutions.?utm_source=chatgpt.com\">Experian<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Why_This_Matters_to_the_UK_Economy\"><\/span>\u00a0Why This Matters to the UK Economy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"_Potential_GDP_Impact\"><\/span>\u00a0Potential GDP Impact<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If credit were made more accessible and appropriately priced for a wider segment of consumers and small businesses, the report argues:<\/p>\n<ul>\n<li><strong>Economic participation would increase<\/strong>, leading to <strong>higher consumer spending, investment, and business formation<\/strong>. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>This could add <strong>~\u00a37 billion annually to GDP<\/strong> \u2014 a meaningful sum given currently <strong>modest GDP growth<\/strong> in the UK economy. (GDP grew only around 0.1 % in late 2025, illustrating sluggish growth overall). (<a title=\"Credit Strategy - Knowledge Hub - UK GDP posts tepid 0.1% growth in Q4 2025\" href=\"https:\/\/www.creditstrategy.co.uk\/knowledge-hub\/uk-gdp-posts-tepid-01-growth-in-q4-2025?utm_source=chatgpt.com\">Credit Strategy<\/a>)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Financial_Inclusion_Benefits\"><\/span>Financial Inclusion Benefits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Better use of technology in credit assessment could particularly help:<\/p>\n<ul>\n<li>People with thin or non-traditional credit histories<\/li>\n<li>Freelancers, gig-economy workers and those with fluctuating income<\/li>\n<li>Small and medium enterprises (SMEs) that struggle with standard credit criteria<\/li>\n<\/ul>\n<p>By boosting access, households and firms could invest more, borrow responsibly, and contribute more to <strong>economic activity and productivity gains<\/strong>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_What_Experts_and_Industry_Leaders_Are_Saying\"><\/span>\u00a0What Experts and Industry Leaders Are Saying<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"_ClearScores_View\"><\/span>\u00a0ClearScore\u2019s View<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tom Markham, Chief Commercial Officer at ClearScore, said the challenge isn\u2019t about <strong>lowering lending standards<\/strong> but about <strong>raising precision<\/strong> in how credit scores and affordability are calculated. He argues that many people who could repay credit responsibly are currently excluded by \u201cblunt decision-making and outdated data.\u201d (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p>\n<h3><span class=\"ez-toc-section\" id=\"_Broader_Industry_Perspective\"><\/span>\u00a0Broader Industry Perspective<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fintech specialists have long suggested that <strong>better data and analytics<\/strong> can improve risk assessment and reduce defaults \u2014 and recent tools from credit-reporting firms like Experian show how combining multiple data sources (income, spending and repayment patterns) leads to <strong>more nuanced credit profiles<\/strong>. (<a title=\"Open Banking Solutions | Experian\" href=\"https:\/\/www.experian.com\/business\/solutions\/data-solutions\/open-banking-solutions.?utm_source=chatgpt.com\">Experian<\/a>)<\/p>\n<p>Some economists also connect this with wider productivity challenges in the UK economy, where <strong>adopting technology more broadly<\/strong> \u2014 from open banking to AI-driven financial products \u2014 is seen as a way to enhance overall economic performance. (<a title=\"FUTURE \nOF FINANCE\nREVIEW ON THE OUTLOOK \nFOR THE\" href=\"https:\/\/www.bankofengland.co.uk\/-\/media\/boe\/files\/report\/2019\/future-of-finance-report.pdf?utm_source=chatgpt.com\">Bank of England<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_What_Reform_Could_Look_Like\"><\/span>\u00a0What Reform Could Look Like<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>According to the report and related discussions:<\/p>\n<ol>\n<li><strong>Wider adoption of open banking data<\/strong> in credit decisions, beyond just a few lenders<\/li>\n<li><strong>AI-powered credit scoring<\/strong> that incorporates real-time financial behaviors<\/li>\n<li><strong>Regulatory clarity<\/strong> to encourage innovation without weakening consumer protections<\/li>\n<li>Tools that help lenders understand <strong>risk more precisely<\/strong>, rather than rejecting applicants based on limited historic data<\/li>\n<\/ol>\n<p>This doesn\u2019t mean loosening credit standards \u2014 it\u2019s about using <strong>better data to say \u201cyes\u201d to credit applicants who are actually lower risk<\/strong> than traditional scores suggest. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Broader_Economic_Context\"><\/span>\u00a0Broader Economic Context<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The UK economy has struggled with slow growth in recent years, growing only modestly in late 2025 (a quarterly rise of about 0.1 %). Trends like fintech innovation and digital finance adoption are increasingly viewed as <strong>potential drivers of productivity and growth<\/strong>. (<a title=\"Credit Strategy - Knowledge Hub - UK GDP posts tepid 0.1% growth in Q4 2025\" href=\"https:\/\/www.creditstrategy.co.uk\/knowledge-hub\/uk-gdp-posts-tepid-01-growth-in-q4-2025?utm_source=chatgpt.com\">Credit Strategy<\/a>)<\/p>\n<p>Tech-driven reform in credit markets sits alongside other digital economy opportunities, where data, AI, and financial innovation could add significantly to long-term economic performance if adopted more widely. (<a title=\"FUTURE \nOF FINANCE\nREVIEW ON THE OUTLOOK \nFOR THE\" href=\"https:\/\/www.bankofengland.co.uk\/-\/media\/boe\/files\/report\/2019\/future-of-finance-report.pdf?utm_source=chatgpt.com\">Bank of England<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Bottom_Line\"><\/span>\u00a0Bottom Line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>A new industry white paper claims that **modernising credit assessment with tech like open banking and AI could boost UK GDP by up to <strong>\u00a37 billion<\/strong> each year. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>The core idea is to expand access to credit responsibly for millions of consumers and businesses by using <strong>richer financial data and smarter risk models<\/strong> \u2014 not by lowering standards. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>If implemented alongside broader digital finance reforms, this could help address <strong>productivity and growth challenges<\/strong> in the UK economy. (<a title=\"Credit Strategy - Knowledge Hub - UK GDP posts tepid 0.1% growth in Q4 2025\" href=\"https:\/\/www.creditstrategy.co.uk\/knowledge-hub\/uk-gdp-posts-tepid-01-growth-in-q4-2025?utm_source=chatgpt.com\">Credit Strategy<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<p>Here\u2019s a <strong>case-studies-and-comments style breakdown<\/strong> of the <strong>new economic report<\/strong> claiming that tech-driven credit reform could add up to <strong>\u00a37 billion annually to UK GDP<\/strong> \u2014 pulling together real examples, expert remarks, and broader context around the findings. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_The_Report_in_Focus\"><\/span>\u00a0The Report in Focus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <em>white paper<\/em> by UK fintech group <strong>ClearScore<\/strong>, produced in collaboration with partners including EY and Fair4All Finance, argues that modernising <strong>credit decision-making<\/strong> \u2014 specifically through <strong>open banking, AI and richer data sets<\/strong> \u2014 could unlock <em>up to \u00a37 billion a year in GDP growth<\/em>. It suggests that outdated credit models and incomplete data are restricting access to credit for millions of people and businesses. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p>\n<p><strong>Key thrusts of the report:<\/strong><\/p>\n<ul>\n<li>Up to <strong>17 million UK adults<\/strong> currently have <em>unmet credit needs<\/em>, representing an estimated \u00a32 billion gap in credit supply. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li>Replacing \u201cblunt\u201d decision-making with richer data (like open banking transaction histories) could show that up to <strong>60 % of people now denied credit actually are creditworthy<\/strong>. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<li><strong>Open banking-enabled credit platforms<\/strong> have seen increased lending volumes (around 14 %) where such data is already used. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/li>\n<\/ul>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Case_Study_1_%E2%80%94_Open_Banking_in_Marketplace_Lending\"><\/span>\u00a0Case Study 1 \u2014 <strong>Open Banking in Marketplace Lending<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Where open banking is already used to inform credit decisions (particularly in marketplace lending and alternative finance platforms), lenders have seen measurable increases in volume \u2014 a <strong>14 % rise in lending activity<\/strong> compared with traditional credit processes. This suggests that richer consumer data can directly translate into <em>more lending without higher arrears<\/em>. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p>\n<p><strong>Comment from the report:<\/strong><\/p>\n<blockquote><p>\u201cThis challenge is not about <em>lowering standards<\/em>, it is about <em>raising precision<\/em>.\u201d \u2014 Tom Markham, Chief Commercial Officer at ClearScore. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p><\/blockquote>\n<p>This underscores that the goal isn\u2019t looser credit but <em>smarter assessment<\/em> \u2014 using up-to-date data and analytics rather than rigid risk profiles that exclude millions of potentially stable borrowers.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Case_Study_2_%E2%80%94_Expanding_Inclusive_Credit\"><\/span>\u00a0Case Study 2 \u2014 <strong>Expanding Inclusive Credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The paper highlights borrowers outside \u201cprime\u201d credit categories (e.g., near-prime or thin-file consumers) who are often overlooked by traditional scoring systems. Using tech-driven models based on <strong>transaction patterns, income stability, and AI pattern recognition<\/strong>, lenders can make more informed decisions. According to the report:<\/p>\n<ul>\n<li>Approval rates for <em>near-prime consumers<\/em> can rise by up to <strong>25 %<\/strong> when open banking data is used. (<a title=\"The UK could unlock \u00a37bn a year in GDP by modernising ...\" href=\"https:\/\/www.business-money.com\/announcements\/the-uk-could-unlock-7bn-a-year-in-gdp-by-modernising-credit-decision-making-while-improving-financial-inclusion\/?utm_source=chatgpt.com\">business-money.com<\/a>)<\/li>\n<\/ul>\n<p><strong>Economic insight:<\/strong> Reform here doesn\u2019t just help individuals \u2014 it has ripple effects: increased consumer spending, better business investment and improved labour participation \u2014 all of which underpin GDP growth.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Expert_Industry_Commentary\"><\/span>\u00a0Expert &amp; Industry Commentary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"_Fintech_Leaders\"><\/span>\u00a0Fintech Leaders<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Tom Markham (ClearScore):<\/strong><\/p>\n<blockquote><p>\u201cMillions of consumers who could repay responsibly are being locked out by <em>blunt decision-making and outdated data<\/em>. With the right tech and regulatory certainty, the UK can become a global leader in inclusive, technology-driven credit.\u201d (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/p><\/blockquote>\n<p>Industry voices broadly echo this sentiment \u2014 that integrating <strong>AI and consented access to richer financial data<\/strong> can reduce risk while broadening access to legitimate credit.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Broader_Context_%E2%80%94_Open_Banking_Financial_Innovation\"><\/span>\u00a0Broader Context \u2014 Open Banking &amp; Financial Innovation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The UK has been a pioneer in open banking for almost a decade, and fintech experts argue that widened adoption is <em>critical<\/em> to realising the potential growth the report outlines. For example:<\/p>\n<ul>\n<li>Government and fintech leaders have described <strong>greater public sector adoption<\/strong> of open banking as an essential ingredient for trust and uptake. (<a title=\"Government adoption \u2018most important\u2019 ingredient for trust in open banking: UK fintech leader\" href=\"https:\/\/www.globalgovernmentfinance.com\/government-adoption-trust-open-banking-uk\/?utm_source=chatgpt.com\">globalgovernmentfinance.com<\/a>)<\/li>\n<li>Reports on UK open banking adoption show millions of active users and expanding services including lending, payments and SME finance \u2014 laying the groundwork for the sorts of reforms the GDP report advocates. (<a title=\"THE OPEN BANKING\" href=\"https:\/\/www.openbanking.org.uk\/wp-content\/uploads\/Impact-Report-Oct-2023-1-1.pdf?utm_source=chatgpt.com\">Open Banking<\/a>)<\/li>\n<\/ul>\n<p>These case studies and industry experiences reinforce the idea that <strong>technology isn\u2019t just a tool for convenience \u2014 it reshapes markets and economic participation<\/strong>.<\/p>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Key_Takeaways\"><\/span>\u00a0Key Takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Aspect<\/th>\n<th>What the Report Shows<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Economic Potential<\/strong><\/td>\n<td>Up to <em>\u00a37 bn added to GDP<\/em> annually if credit access expands responsibly. (<a title=\"The UK could unlock \u00a37bn a year in GDP by modernising ...\" href=\"https:\/\/www.business-money.com\/announcements\/the-uk-could-unlock-7bn-a-year-in-gdp-by-modernising-credit-decision-making-while-improving-financial-inclusion\/?utm_source=chatgpt.com\">business-money.com<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Data &amp; Tech Role<\/strong><\/td>\n<td>AI and open banking data can reveal creditworthiness that legacy models miss. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Real-World Signals<\/strong><\/td>\n<td>Markets using these technologies (e.g., marketplace lenders) already see increases in lending volumes. (<a title=\"Tech-powered credit reform could add \u00a37bn to the UK\u2019s GDP, report claims\" href=\"https:\/\/www.uktech.news\/fintech\/tech-powered-credit-reform-could-add-7bn-to-the-uks-gdp-report-claims-20260218?utm_source=chatgpt.com\">UKTN<\/a>)<\/td>\n<\/tr>\n<tr>\n<td><strong>Policy Angle<\/strong><\/td>\n<td>Broader adoption requires clear regulatory frameworks that balance innovation with consumer protection. (<a title=\"The UK could unlock \u00a37bn a year in GDP by modernising ...\" href=\"https:\/\/www.business-money.com\/announcements\/the-uk-could-unlock-7bn-a-year-in-gdp-by-modernising-credit-decision-making-while-improving-financial-inclusion\/?utm_source=chatgpt.com\">business-money.com<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr \/>\n<h2><span class=\"ez-toc-section\" id=\"_Final_Comment\"><\/span>\u00a0Final Comment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Economists and fintech leaders see this report as <em>both an opportunity and a caution<\/em>. On one hand, tech-driven credit reform could meaningfully boost growth and inclusion. On the other, <strong>data quality, fairness and regulatory safeguards<\/strong> will be essential to ensure that innovation doesn\u2019t inadvertently introduce bias or risk into credit outcomes.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \u00a0What the Report Says \u2014 Key Findings A new white paper from fintech group ClearScore suggests that modernising how creditworthiness is assessed in the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,6],"tags":[],"class_list":["post-991648","post","type-post","status-publish","format-standard","hentry","category-gb-news","category-uk-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tech-Driven Credit Reform Could Add \u00a37bn to UK GDP, New Economic Report Claims - UK News &amp; 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