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1904557

替代信用評分資料市場預測至2032年：按資料類型、模型類型、應用、最終使用者和地區分類的全球分析

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個工作天內

價格

根據 Stratistics MRC 的一項研究，預計到 2025 年，全球替代信用評分數據市場價值將達到 37 億美元，到 2032 年將達到 153 億美元。

預計在預測期內，替代信用評分將以22.1%的複合年成長率成長。替代信用評分是一種利用非傳統數據（例如公用事業收費支付、行動裝置使用情況、交易行為和數位足跡）來評估借款人信用度的方法。它可以幫助貸款機構、金融科技公司和金融機構。推動其成長的因素有很多，包括為銀行帳戶提供支持的需求、線上金融的興起、傳統信貸體系的缺陷、政府為促進普惠金融而提供的支持，以及數據分析和機器學習技術的進步。

根據世界銀行統計，全球約有14億成年人銀行帳戶。

更準確、即時信用風險評估的需求

傳統模式往往依賴過時的、靜態的信用歷史簡介，無法反映借款人當前的財務狀況，也因此無法向「信用不良」的個人提供援助。透過整合替代數據，貸款機構可以分析持續的行為模式和現金流，從而做出更快、更明智的決策。這種轉變還能辨識傳統系統無法捕捉到的細微風險模式，進而降低違約率。因此，金融機構正積極採用這些即時工具來保持競爭優勢。

缺乏數據細分和標準化

另類資料來源廣泛，包括電話記錄、租金支付記錄和網路購物等，但每種來源的資料格式和品質標準各不相同。這種缺乏一致性使得貸款機構難以在不進行大量人工核對的情況下，將多個資料流整合到一個可靠的評分模型中。此外，資料收集和分類方式的不一致還會造成“基準盲點”，使得跨平台評分幾乎無法比較，最終阻礙了機構的廣泛採用。

開放銀行框架實現了安全的資料共用

透過強制要求以安全、基於API的方式存取經消費者授權的銀行數據，這些框架消除了傳統數據收集過程中存在的摩擦。這種環境使金融科技公司和傳統銀行能夠更有效地合作，並建立反映用戶真實流動性和消費習慣的全面畫像。此外，開放銀行固有的透明度增強了消費者的信任，因為個人可以控制共用的資料點。此類生態系統為根據特定風險狀況量身定做的高度個人化金融產品鋪平了道路。

網路安全風險與資料外洩

隨著另類資料收集量和敏感度的不斷提升，市場面臨來自複雜網路攻擊和潛在資料外洩的威脅。這些平台儲存著大量的個人資訊，包括社交媒體活動、公用事業收費賬單記錄和詳細的交易歷史，使其成為勒索軟體和身份盜竊的理想目標。備受矚目的資料外洩事件就可能嚴重損害公眾信任，並引發嚴格限制性的監管措施，從而扼殺創新。此外，使用第三方資料聚合商也會帶來供應鏈漏洞。資料交換任何環節的安全漏洞都可能危及整個評分生態系統的完整性。

新冠疫情的感染疾病

疫情對市場而言是一把雙面刃，初期導致貸款規模萎縮，但最終加速了數位轉型。政府的延期還款和刺激性支付降低了傳統信用評分的預測準確性，同時激增了對替代數據的需求，以評估消費者的實際抗風險能力。貸款機構開始利用即時現金流和數位交易數據來應對經濟波動。這段時期鞏固了非傳統洞察的價值，並永久推動了產業轉型為更靈活、數據密集的風險管理策略。

預計在預測期內，交易資料區段將佔據最大的市場佔有率。

預計在預測期內，交易資料區段將佔據最大的市場佔有率，因為它能最直接、最詳細地證明借款人的還款能力。與社交和心理測量數據不同，來自銀行帳戶、電子錢包和信用卡的交易記錄能夠提供收入穩定性和消費紀律的可靠歷史記錄。貸款機構之所以優先考慮這一板塊，是因為它能夠即時檢驗現金流，這對於高頻貸款產品至關重要。此外，交易記錄的高可靠性和易於量化的特點也將確保其持續佔據主導地位。

預計在預測期內，金融科技和新型銀行部門將呈現最高的複合年成長率。

在預測期內，金融科技和新型銀行領域預計將呈現最高的成長率，這主要得益於其數位化優先的架構和對普惠金融的正面關注。與傳統金融機構不同，新型銀行旨在將替代評分API原生整合到其客戶註冊流程中，從而實現近乎即時的貸款核准。這些參與企業通常瞄準銀行帳戶和銀行服務不足的人群，對他們而言，替代數據是唯一可行的評估工具。此外，其精簡的營運模式和快速的迭代周期使其能夠比傳統零售銀行更快地採用新的人工智慧驅動的評分技術。

比最大的地區

由於北美地區擁有成熟的金融生態系統，並率先採用人工智慧分析技術，預計該地區將在整個預測期內佔據最大的市場佔有率。主要徵信機構的存在以及金融科技創新者的高度集中，為資料交換和評分模型開發奠定了堅實的基礎。此外，消費者的高度意識和清晰的監管環境也為這些技術的擴展提供了穩定的發展空間。創業投資公司和老牌銀行的大規模投資也鞏固了該地區的領先地位，這些投資旨在對其傳統的風險評估框架進行現代化改造。

複合年均成長率最高的地區

亞太地區預計將在預測期內實現最高的複合年成長率，這主要得益於快速的數位化以及龐大人口基數和傳統銀行服務覆蓋範圍有限。印度、中國和印尼等國家正在湧現大量整合電子商務、支付和社交媒體的“超級應用”，從而創造了豐富的另類數據。此外，政府主導的數位公共基礎設施和開放金融措施正在降低新信用評分提供者的進入門檻。該地區龐大的銀行帳戶人口為另類信貸解決方案提供了無與倫比的成長動力。

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目錄

第1章執行摘要

第2章 前言

  • 摘要
  • 相關利益者
  • 調查範圍
  • 調查方法
  • 研究材料

第3章 市場趨勢分析

  • 促進要素
  • 抑制因素
  • 機會
  • 威脅
  • 應用分析
  • 終端用戶分析
  • 新興市場
  • 新冠疫情的感染疾病

第4章 波特五力分析

  • 供應商的議價能力
  • 買方的議價能力
  • 替代品的威脅
  • 新進入者的威脅
  • 競爭對手之間的競爭

5. 全球替代信用評分資料市場（按資料類型分類）

  • 交易數據
  • 行動數據
  • 公用事業收費和租賃數據
  • 數位足跡和社交數據
  • 心理測量與行為數據
  • 公共和政府記錄

6. 全球替代信用評分資料市場（按模型類型分類）

  • 機器學習模型
  • 基於規則/提取的系統
  • 混合評分模型

7. 全球替代信用評分資料市場（按應用領域分類）

  • 消費貸款
  • 微企業貸款
  • 詐欺偵測和了解你的客戶 (KYC)
  • 債務催收和資產組合監控

8. 全球替代信用評分數據市場（以最終用戶分類）

  • 銀行
  • 非銀行機構（非銀行金融公司）
  • 金融科技與新型銀行
  • 電信和公共產業供應商

9. 全球替代信用評分資料市場（按地區分類）

  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 義大利
    • 法國
    • 西班牙
    • 其他歐洲
  • 亞太地區
    • 日本
    • 中國
    • 印度
    • 澳洲
    • 紐西蘭
    • 韓國
    • 亞太其他地區
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 其他南美國家
  • 中東和非洲
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 卡達
    • 南非
    • 其他中東和非洲地區

第10章：重大進展

  • 協議、夥伴關係、合作和合資企業
  • 併購
  • 新產品發布
  • 業務拓展
  • 其他關鍵策略

第11章 公司簡介

  • 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.