Video
Businesses using fintech are 270% more credit-active, but face higher risks
Published October 29, 2024
Commercial Credit & Economic Trends Credit Decisioning Economic & Market InsightsAs published on the Business Information blog in a post titled Fintechs Transforming Financing and Growth - the fintech industry has grown by 140% since 2018, with North America leading at 34% of global market share. This video recaps some of our research including:
- North American Dominance: North America accounts for over 34% of the global fintech market, making it a key player in the industry’s expansion.
- Innovative Solutions: Fintech companies have transformed traditional financial services with digital solutions in areas like payments, lending, personal finance, and investment management—led by apps like Venmo, Cash App, and Apple Pay.
- Increased Credit Activity: Businesses using fintech financing are 270% more credit-active than those relying on traditional financing, with higher inquiries, trades, credit lines, and balances.
- Higher Risk: Despite increased access to capital, fintech-financed businesses exhibit higher delinquency rates and lower credit scores, presenting added risks for lenders.
Check out the full report to see how these trends could impact your strategy!
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- Limited-Service Restaurants are showing improved credit risk scores, suggesting stronger adaptability.
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- Revolving credit utilization is climbing — an early signal of potential cash flow strain.
What does this mean for lenders and decision makers?
✅ Not all restaurant types face the same risks.
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✅ Watch utilization and inquiry trends closely — they may be early indicators of distress.
Check out the full report to see how these trends could impact your strategy!
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