Pressures from internal finance departments reacting to accounting standards have strong implications for managing collection agencies and debt buyers.

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.

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