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市场调查报告书
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1904557

替代信用评分资料市场预测至2032年：按资料类型、模型类型、应用、最终使用者和地区分類的全球分析

Credit Scoring Alternative Data Market Forecasts to 2032 - Global Analysis By Data Type, Model Type, Application, End User, and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 | 商品交期: 2-3个工作天内

价格

根据 Stratistics MRC 的一项研究，预计到 2025 年，全球替代信用评分数据市场价值将达到 37 亿美元，到 2032 年将达到 153 亿美元。

预计在预测期内，替代信用评分将以22.1%的复合年增长率成长。替代信用评分是一种利用非传统数据（例如公用事业收费支付、行动装置使用情况、交易行为和数位足迹）来评估借款人信用度的方法。它可以帮助贷款机构、金融科技公司和金融机构。推动其成长的因素有很多，包括为银行帐户提供支持的需求、线上金融的兴起、传统信贷体系的缺陷、政府为促进普惠金融而提供的支持，以及数据分析和机器学习技术的进步。

根据世界银行统计，全球约有14亿成年人银行帐户。

更准确、即时信用风险评估的需求

传统模式往往依赖过时的、静态的信用历史简介，无法反映借款人当前的财务状况，也因此无法向「信用不良」的个人提供援助。透过整合替代数据，贷款机构可以分析持续的行为模式和现金流，从而做出更快、更明智的决策。这种转变还能辨识传统系统无法捕捉到的细微风险模式，进而降低违约率。因此，金融机构正积极采用这些即时工具来保持竞争优势。

缺乏数据细分和标准化

另类资料来源广泛，包括电话记录、租金支付记录和网路购物等，但每种来源的资料格式和品质标准各不相同。这种缺乏一致性使得贷款机构难以在不进行大量人工核对的情况下，将多个资料流整合到一个可靠的评分模型中。此外，资料收集和分类方式的不一致还会造成“基准盲点”，使得跨平台评分几乎无法比较，最终阻碍了机构的广泛采用。

开放银行框架实现了安全的资料共用

透过强制要求以安全、基于API的方式存取经消费者授权的银行数据，这些框架消除了传统数据收集过程中存在的摩擦。这种环境使金融科技公司和传统银行能够更有效地合作，并建立反映用户真实流动性和消费习惯的全面画像。此外，开放银行固有的透明度增强了消费者的信任，因为个人可以控制共用的资料点。此类生态系统为根据特定风险状况量身定制的高度个人化金融产品铺平了道路。

网路安全风险与资料外洩

随着另类资料收集量和敏感度的不断提升，市场面临来自复杂网路攻击和潜在资料外洩的威胁。这些平台储存着大量的个人信息，包括社交媒体活动、公用事业收费账单记录和详细的交易历史，使其成为勒索软体和身份盗窃的理想目标。备受瞩目的资料外洩事件就可能严重损害公众信任，并引发严格限制性的监管措施，从而扼杀创新。此外，使用第三方资料聚合商也会带来供应链漏洞。资料交换任何环节的安全漏洞都可能危及整个评分生态系统的完整性。

新冠疫情的感染疾病

疫情对市场而言是一把双面刃，初期导致贷款规模萎缩，但最终加速了数位转型。政府的延期还款和刺激性支付降低了传统信用评分的预测准确性，同时激增了对替代数据的需求，以评估消费者的实际抗风险能力。贷款机构开始利用即时现金流和数位交易数据来应对经济波动。这段时期巩固了非传统洞察的价值，并永久推动了产业转型为更灵活、数据密集的风险管理策略。

预计在预测期内，交易资料区段将占据最大的市场份额。

预计在预测期内，交易资料区段将占据最大的市场份额，因为它能最直接、最详细地证明借款人的还款能力。与社交和心理测量数据不同，来自银行帐户、电子钱包和信用卡的交易记录能够提供收入稳定性和消费纪律的可靠历史记录。贷款机构之所以优先考虑这一板块，是因为它能够即时检验现金流，这对于高频贷款产品至关重要。此外，交易记录的高可靠性和易于量化的特点也将确保其持续占据主导地位。

预计在预测期内，金融科技和新型银行部门将呈现最高的复合年增长率。

在预测期内，金融科技和新型银行领域预计将呈现最高的成长率，这主要得益于其数位化优先的架构和对普惠金融的正面关注。与传统金融机构不同，新型银行旨在将替代评分API原生整合到其客户註册流程中，从而实现近乎即时的贷款核准。这些参与企业通常瞄准银行帐户和银行服务不足的人群，对他们而言，替代数据是唯一可行的评估工具。此外，其精简的营运模式和快速的迭代周期使其能够比传统零售银行更快地采用新的人工智慧驱动的评分技术。

比最大的地区

由于北美地区拥有成熟的金融生态系统，并率先采用人工智慧分析技术，预计该地区将在整个预测期内占据最大的市场份额。主要征信机构的存在以及金融科技创新者的高度集中，为资料交换和评分模型开发奠定了坚实的基础。此外，消费者的高度意识和清晰的监管环境也为这些技术的扩展提供了稳定的发展空间。创业投资公司和老牌银行的大规模投资也巩固了该地区的领先地位，这些投资旨在对其传统的风险评估框架进行现代化改造。

复合年均成长率最高的地区

亚太地区预计将在预测期内实现最高的复合年增长率，这主要得益于快速的数位化以及庞大人口基数和传统银行服务覆盖范围有限。印度、中国和印尼等国家正在涌现大量整合电子商务、支付和社交媒体的“超级应用”，从而创造了丰富的另类数据。此外，政府主导的数位公共基础设施和开放金融措施正在降低新信用评分提供者的进入门槛。该地区庞大的银行帐户人口为另类信贷解决方案提供了无与伦比的成长动力。

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    • 从产品系列、地域覆盖范围和策略联盟等方面对主要参与企业进行基准分析

目录

第一章执行摘要

第二章 前言

  • 摘要
  • 相关利益者
  • 调查范围
  • 调查方法
  • 研究材料

第三章 市场趋势分析

  • 司机
  • 抑制因素
  • 机会
  • 威胁
  • 应用分析
  • 终端用户分析
  • 新兴市场
  • 新冠疫情的感染疾病

第四章 波特五力分析

  • 供应商的议价能力
  • 买方的议价能力
  • 替代品的威胁
  • 新进入者的威胁
  • 竞争对手之间的竞争

5. 全球替代信用评分资料市场（按资料类型划分）

  • 交易数据
  • 行动数据
  • 公用事业收费和租赁数据
  • 数位足迹和社交数据
  • 心理测量与行为数据
  • 公共和政府记录

6. 全球替代信用评分资料市场（按模型类型划分）

  • 机器学习模型
  • 基于规则/提取的系统
  • 混合评分模型

7. 全球替代信用评分资料市场（按应用领域划分）

  • 消费贷款
  • 微企业贷款
  • 诈欺侦测和了解你的客户 (KYC)
  • 债务催收和资产组合监控

8. 全球替代信用评分数据市场（以最终用户划分）

  • 银行
  • 非银行机构（非银行金融公司）
  • 金融科技与新型银行
  • 电信和公共产业供应商

9. 全球替代信用评分资料市场（按地区划分）

  • 北美洲
    • 美国
    • 加拿大
    • 墨西哥
  • 欧洲
    • 德国
    • 英国
    • 义大利
    • 法国
    • 西班牙
    • 其他欧洲
  • 亚太地区
    • 日本
    • 中国
    • 印度
    • 澳洲
    • 纽西兰
    • 韩国
    • 亚太其他地区
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 其他南美国家
  • 中东和非洲
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 卡达
    • 南非
    • 其他中东和非洲地区

第十章：重大进展

  • 协议、伙伴关係、合作和合资企业
  • 併购
  • 新产品发布
  • 业务拓展
  • 其他关键策略

第十一章 公司简介

  • Experian
  • Equifax
  • TransUnion
  • LexisNexis Risk Solutions
  • FICO
  • Zest AI
  • LenddoEFL
  • CredoLab
  • CreditVidya
  • Nova Credit
  • Upstart
  • Tala
  • Branch International
  • JUMO
  • Socure
  • Cignifi
  • Credit Kudos
  • Finicity
  • Plaid
Product Code: SMRC33034

According to Stratistics MRC, the Global Credit Scoring Alternative Data Market is accounted for $3.7 billion in 2025 and is expected to reach $15.3 billion by 2032, growing at a CAGR of 22.1% during the forecast period. The credit scoring alternative data involves the use of non-traditional data, such as utility payments, mobile usage, transaction behavior, and digital footprints, to assess borrower creditworthiness. It supports lenders, fintech firms, and financial institutions. Growth is fueled by the need to help people without bank access, the rise of online finance; the shortcomings of old credit systems, government support for including more people in finance, and improvements in data analysis and machine learning.

According to the World Bank, around 1.4 billion adults globally remain unbanked.

Market Dynamics:

Driver:

Demand for more accurate, real-time credit risk assessment

Traditional models often rely on outdated, static snapshots of credit history, which fail to capture a borrower's current financial reality or offer assistance to "thin-file" individuals. By integrating alternative data, lenders can now analyze live behavioral signals and current cash flows, enabling them to make faster, more informed decisions. Furthermore, this shift reduces default rates by identifying subtle risk patterns that conventional systems overlook. Consequently, financial institutions are aggressively adopting these real-time tools to maintain a competitive edge.

Restraint:

Data fragmentation and lack of standardization

Alternative data comes from a variety of places, such as telecom records, rental payments, and online shopping, and each one uses different formats and quality standards. This lack of cohesion makes it difficult for lenders to integrate multiple data streams into a single, reliable scoring model without extensive manual reconciliation. Additionally, the inconsistency in how data is collected and categorized can lead to "benchmark blindness," where comparing scores across different platforms becomes nearly impossible, thereby slowing widespread institutional adoption.

Opportunity:

Open banking frameworks enabling secure data sharing

By mandating secure, API-based access to consumer-permissioned banking data, these frameworks eliminate the friction previously associated with data gathering. This environment allows fintechs and traditional banks to collaborate more effectively, building comprehensive profiles that reflect a user's true liquidity and spending habits. Moreover, the transparency inherent in open banking fosters greater consumer trust, as individuals gain control over which data points they share. Such ecosystems are paving the way for hyper-personalized financial products tailored to specific risk profiles.

Threat:

Cybersecurity risks and data breaches

As the volume and sensitivity of gathered alternative data increase, the market faces heightened threats from sophisticated cyberattacks and potential data breaches. Storing vast amounts of personal information, including social media activity, utility logs, and granular transaction histories, makes these platforms lucrative targets for ransomware and identity theft. A single high-profile breach could severely damage public trust and trigger stringent, restrictive regulatory responses that stifle innovation. Additionally, the use of third-party data aggregators introduces supply chain vulnerabilities, where a security lapse at any point in the data exchange can compromise the integrity of the entire scoring ecosystem.

Covid-19 Impact:

The pandemic acted as a double-edged sword for the market, initially causing a contraction in lending volumes but ultimately accelerating digital transformation. While traditional credit scores became less predictive due to government-mandated payment holidays and stimulus checks, the need for alternative data surged to gauge actual consumer resilience. Lenders turned to real-time cash flow and digital transaction data to navigate the economic volatility. This period solidified the value of non-traditional insights, permanently shifting the industry toward more agile and data-intensive risk management strategies.

The transactional data segment is expected to be the largest during the forecast period

The transactional data segment is expected to account for the largest market share during the forecast period because it provides the most direct and granular evidence of a borrower's repayment capacity. Unlike social or psychometric data, transaction records from bank accounts, digital wallets, and credit cards offer a hard-fact history of income stability and spending discipline. Lenders prioritize this segment as it allows for the immediate verification of cash flow, making it indispensable for high-frequency lending products. Furthermore, the high reliability and ease of quantification associated with transactional records ensure their continued dominance.

The fintechs & neobanks segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the fintechs & neobanks segment is predicted to witness the highest growth rate due to its digital-first architecture and aggressive focus on financial inclusion. Unlike legacy institutions, neobanks are designed to integrate alternative scoring APIs natively into their onboarding processes, allowing for near-instant loan approvals. These players often target the unbanked and underbanked populations, where alternative data is the only viable means of assessment. Additionally, their lean operating models and rapid iteration cycles allow them to adopt new AI-driven scoring techniques much faster than traditional retail banks.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share, bolstered by a mature financial ecosystem and early adoption of AI analytics. The presence of major credit bureaus and a high density of fintech innovators facilitate a robust infrastructure for data exchange and scoring model development. Furthermore, high consumer awareness and a well-defined regulatory landscape provide a stable environment for scaling these technologies. The region's dominance is also supported by massive investments from venture capital firms and established banks looking to modernize their traditional risk assessment frameworks.

Region with highest CAGR:

During the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, fueled by rapid digitalization and a massive population with limited access to traditional banking. Countries like India, China, and Indonesia are seeing a surge in "super-apps" that combine e-commerce, payments, and social media, creating a goldmine of alternative data. Moreover, government-led initiatives for digital public infrastructure and open finance are lowering the barriers to entry for new scoring providers. The sheer scale of the unbanked demographic in this region presents an unparalleled growth engine for alternative credit solutions.

Key players in the market

Some of the key players in Credit Scoring Alternative Data Market include Experian, Equifax, TransUnion, LexisNexis Risk Solutions, FICO, Zest AI, LenddoEFL, CredoLab, CreditVidya, Nova Credit, Upstart, Tala, Branch International, JUMO, Socure, Cignifi, Credit Kudos, Finicity, and Plaid.

Key Developments:

In November 2025, Experian introduced the new Credit + Cashflow Score, combining bureau data with consumer-permissioned cash flow insights to expand financial inclusion.

In October 2025, Equifax introduced the new expanded mortgage credit offerings with VantageScore 4.0, integrating alternative data such as employment and utility records to promote competition in credit scoring.

In July 2025, Zest AI introduced the new recognition on CNBC's World's Top FinTech Companies list, highlighting its AI-driven lending models that integrate alternative data for fairer credit decisions.

In May 2025, TransUnion introduced the new TruVision Alternative Bank Risk Score, leveraging its OneTru(TM) platform to assess thin-file consumers with cash flow and alternative bank data.

Data Types Covered:

  • Transactional Data
  • Mobile & Telco Data
  • Utility & Rental Data
  • Digital Footprint & Social Data
  • Psychometric & Behavioral Data
  • Public & Government Records

Model Types Covered:

  • Machine Learning Models
  • Rule-Based/Expert Systems
  • Hybrid Scoring Models

Applications Covered:

  • Consumer Lending
  • SME & Micro-Business Financing
  • Fraud Detection & KYC Verification
  • Debt Collection & Portfolio Monitoring

End Users Covered:

  • Banking
  • NBFCs (Non-Banking Financial Companies)
  • Fintechs & Neobanks
  • Telecom & Utility Providers

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 Application Analysis
  • 3.7 End User Analysis
  • 3.8 Emerging Markets
  • 3.9 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global Credit Scoring Alternative Data Market, By Data Type

  • 5.1 Introduction
  • 5.2 Transactional Data
  • 5.3 Mobile & Telco Data
  • 5.4 Utility & Rental Data
  • 5.5 Digital Footprint & Social Data
  • 5.6 Psychometric & Behavioral Data
  • 5.7 Public & Government Records

6 Global Credit Scoring Alternative Data Market, By Model Type

  • 6.1 Introduction
  • 6.2 Machine Learning Models
  • 6.3 Rule-Based/Expert Systems
  • 6.4 Hybrid Scoring Models

7 Global Credit Scoring Alternative Data Market, By Application

  • 7.1 Introduction
  • 7.2 Consumer Lending
  • 7.3 SME & Micro-Business Financing
  • 7.4 Fraud Detection & KYC Verification
  • 7.5 Debt Collection & Portfolio Monitoring

8 Global Credit Scoring Alternative Data Market, By End User

  • 8.1 Introduction
  • 8.2 Banking
  • 8.3 NBFCs (Non-Banking Financial Companies)
  • 8.4 Fintechs & Neobanks
  • 8.5 Telecom & Utility Providers

9 Global Credit Scoring Alternative Data Market, By Geography

  • 9.1 Introduction
  • 9.2 North America
    • 9.2.1 US
    • 9.2.2 Canada
    • 9.2.3 Mexico
  • 9.3 Europe
    • 9.3.1 Germany
    • 9.3.2 UK
    • 9.3.3 Italy
    • 9.3.4 France
    • 9.3.5 Spain
    • 9.3.6 Rest of Europe
  • 9.4 Asia Pacific
    • 9.4.1 Japan
    • 9.4.2 China
    • 9.4.3 India
    • 9.4.4 Australia
    • 9.4.5 New Zealand
    • 9.4.6 South Korea
    • 9.4.7 Rest of Asia Pacific
  • 9.5 South America
    • 9.5.1 Argentina
    • 9.5.2 Brazil
    • 9.5.3 Chile
    • 9.5.4 Rest of South America
  • 9.6 Middle East & Africa
    • 9.6.1 Saudi Arabia
    • 9.6.2 UAE
    • 9.6.3 Qatar
    • 9.6.4 South Africa
    • 9.6.5 Rest of Middle East & Africa

10 Key Developments

  • 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 10.2 Acquisitions & Mergers
  • 10.3 New Product Launch
  • 10.4 Expansions
  • 10.5 Other Key Strategies

11 Company Profiling

  • 11.1 Experian
  • 11.2 Equifax
  • 11.3 TransUnion
  • 11.4 LexisNexis Risk Solutions
  • 11.5 FICO
  • 11.6 Zest AI
  • 11.7 LenddoEFL
  • 11.8 CredoLab
  • 11.9 CreditVidya
  • 11.10 Nova Credit
  • 11.11 Upstart
  • 11.12 Tala
  • 11.13 Branch International
  • 11.14 JUMO
  • 11.15 Socure
  • 11.16 Cignifi
  • 11.17 Credit Kudos
  • 11.18 Finicity
  • 11.19 Plaid

List of Tables

  • Table 1 Global Credit Scoring Alternative Data Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Credit Scoring Alternative Data Market Outlook, By Data Type (2024-2032) ($MN)
  • Table 3 Global Credit Scoring Alternative Data Market Outlook, By Transactional Data (2024-2032) ($MN)
  • Table 4 Global Credit Scoring Alternative Data Market Outlook, By Mobile & Telco Data (2024-2032) ($MN)
  • Table 5 Global Credit Scoring Alternative Data Market Outlook, By Utility & Rental Data (2024-2032) ($MN)
  • Table 6 Global Credit Scoring Alternative Data Market Outlook, By Digital Footprint & Social Data (2024-2032) ($MN)
  • Table 7 Global Credit Scoring Alternative Data Market Outlook, By Psychometric & Behavioral Data (2024-2032) ($MN)
  • Table 8 Global Credit Scoring Alternative Data Market Outlook, By Public & Government Records (2024-2032) ($MN)
  • Table 9 Global Credit Scoring Alternative Data Market Outlook, By Model Type (2024-2032) ($MN)
  • Table 10 Global Credit Scoring Alternative Data Market Outlook, By Machine Learning Models (2024-2032) ($MN)
  • Table 11 Global Credit Scoring Alternative Data Market Outlook, By Rule-Based / Expert Systems (2024-2032) ($MN)
  • Table 12 Global Credit Scoring Alternative Data Market Outlook, By Hybrid Scoring Models (2024-2032) ($MN)
  • Table 13 Global Credit Scoring Alternative Data Market Outlook, By Application (2024-2032) ($MN)
  • Table 14 Global Credit Scoring Alternative Data Market Outlook, By Consumer Lending (2024-2032) ($MN)
  • Table 15 Global Credit Scoring Alternative Data Market Outlook, By SME & Micro-Business Financing (2024-2032) ($MN)
  • Table 16 Global Credit Scoring Alternative Data Market Outlook, By Fraud Detection & KYC Verification (2024-2032) ($MN)
  • Table 17 Global Credit Scoring Alternative Data Market Outlook, By Debt Collection & Portfolio Monitoring (2024-2032) ($MN)
  • Table 18 Global Credit Scoring Alternative Data Market Outlook, By End User (2024-2032) ($MN)
  • Table 19 Global Credit Scoring Alternative Data Market Outlook, By Banking (2024-2032) ($MN)
  • Table 20 Global Credit Scoring Alternative Data Market Outlook, By NBFCs (2024-2032) ($MN)
  • Table 21 Global Credit Scoring Alternative Data Market Outlook, By Fintechs & Neobanks (2024-2032) ($MN)
  • Table 22 Global Credit Scoring Alternative Data Market Outlook, By Telecom & Utility Providers (2024-2032) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.