New FT Partners Research Report: Beyond the Credit Score – What's Next in Consumer Credit Management

FT Partners Research is pleased to announce the publication of our latest in-depth, 100+ page industry research report, "Beyond the Credit Score - What's Next in Consumer Credit Management."

Executive Summary

Today, while many companies offer free credit scores, few offer free credit monitoring, and even fewer offer key insights about what impacts consumers' credit worthiness. After getting access to their credit scores, consumers are often at a loss of what to do and are largely left on their own to make important credit decisions. This contrasts with the asset side of consumers' balance sheets where financial advisors and, increasingly, robo advisors are using data and analytics to alleviate consumers of the burden of making investment decisions for their specific goals. Consequently, we expect financial service providers to move beyond offering free access to credit information and move towards providing complete credit lifecycle management solutions that not only enable consumers to understand their credit profile, but also directly help them improve their scores and leverage their position in order to obtain the most optimal credit products at any given moment in time.

 Key discussion topics of the report include:

• The history of credit scores and the increasing role they play in consumers' lives
• The business side of credit data and how strong demand has generated billions of dollars of market cap for credit bureaus and others
• The evolution from providing free credit scores to full credit lifecycle management solutions

Other highlights include:

• Exclusive interviews with Credit Sesame, LifeLock, MoneyLion, and Upgrade, where executives from each company discuss how they are leveraging consumer credit information to provide unique products and services
• A detailed market landscape of Consumer FinTech
• Individual profiles of 27 companies playing a significant role in the Consumer Credit space
• A list of recent relevant financing and M&A transactions

FT Partners Research regularly publishes detailed research highlighting key trends driving market activity across the FinTech landscape. Our research and analysis has been featured on Bloomberg, the Wall Street Journal, Dow Jones and the Financial Times and is regularly viewed by CEOs and industry leaders. FT Partners continues to generate highly successful outcomes for our clients by leveraging our transaction expertise gained through the execution of hundreds of transactions combined with over 17 years of exclusive focus on FinTech. FT Partners has deep domain expertise and a longstanding, successful track record in the Credit / Lending Tech space having executed a number of key transactions including:

• Credit Sesame's $42 million growth financing
• CapitalG's (formerly Google Capital) lead investment in Credit Karma's $85 million financing
• GreenSky's $1 billion IPO, prior equity financings totaling $550 million, and its $2 billion loan commitment
• Prosper's $50 million financing and $5 billion loan commitment
• Kabbage's $135 million financing
• INSIKT's $50 million financing
• Nav's $38 million Series B financing led by Experian
• Custom Credit Systems' sale to MISYS
• WebEquity's sale to Moody's
• L2C's sale to TransUnion
• Swift Financial's $200 million sale to PayPal

Please feel free to download or view our new report at your convenience and, if you don't already, please follow us on LinkedIn and Twitter for real-time updates on our deals, industry research and frequent transaction profiles.