Until now, it has been very difficult for a lender to understand the pressures on any consumer in terms of their ability to absorb more credit and pay off the required instalments, without placing unbearable stress on their finances.

Across product development, sales and our Fair Isaac Advisors consultancy group, our fraud team has grown by 23% over the last year.

Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit ma...