Vilka data som faktiskt finns om den här branschen, vem som vanligen har dem, på vilken granularitet och hur åtkomliga de är. Öppna betyder öppet publicerade; köpbara säljs av en leverantör; partnerskap kräver ett bilateralt avtal; exklusiva är i praktiken inlåsta hos en enda part.
Tabellposterna är skrivna på engelska.
| Datakategori | Vem har dem | Granularitet | Åtkomst |
|---|---|---|---|
| pricing | Lenders' published rate cards, price comparison sites (MoneySuperMarket, Check24), central banks (ECB MIR statistics, Bank of England)… | Per product per risk tier, monthly average rates by loan type and maturity | öppna |
| registry/licensing/permits | National financial regulators and registers (FCA Financial Services Register, BaFin, ACPR, ESMA registers), consumer credit licence… | Per authorised firm, per permission, per branch/agent | öppna |
| employment & workforce | National statistics offices (SBS/structural business statistics by NACE 64.92), industry associations (consumer credit federations)… | Aggregate headcount and payroll per NACE class per year; per-firm in filings | öppna |
| reviews & sentiment | Trustpilot, Google Reviews, app stores, consumer forums; ombudsman complaint publications; social listening vendors | Per review; monthly complaint counts per firm | öppna |
| financial filings | Company registries (Companies House, Handelsregister), securitisation reporting repositories (European DataWarehouse), listed lenders'… | Per entity per quarter/year; loan-level for ABS deal pools (monthly) | öppna |
| customer demographics | Lenders' own CRM and underwriting files, credit bureaus, marketing data brokers (Acxiom, Experian Mosaic), national statistics offices for… | Per borrower/application; aggregate by postcode or income band | köpbara |
| communications/marketing performance | Lenders' marketing teams, affiliate and lead-generation networks, comparison platforms, ad intelligence vendors (Pathmatics, SimilarWeb) | Per campaign / per channel / per lead; monthly spend estimates per brand | köpbara |
| transactional/sales | Consumer credit lenders, BNPL providers, peer-to-peer lending platforms, pawnbrokers, leasing and factoring firms; loan servicing platforms… | Per loan application / per loan account / per repayment instalment; aggregated… | partnerskap |
| inventory & supply chain | Lenders' loan books viewed as portfolio stock; funding-side data from warehouse lenders and securitisation servicers; central bank credit… | Portfolio balances by product and vintage, monthly | partnerskap |
| incident/safety/claims | Lenders' collections and recovery units, credit insurers and guarantee schemes, debt collection agencies, financial ombudsman services… | Per delinquent account / per arrears bucket / per complaint / per judgment | partnerskap |
| quality & compliance testing | Regulators' supervisory reviews and thematic reports, internal audit and model validation functions, external auditors, AML/KYC screening… | Per firm per review; per model per validation cycle; per customer screening… | partnerskap |
Sammanställt av TriDatas researchsystem ur offentliga register, branschstruktur och regulatoriska rapporteringskrav; uppdateras i takt med att den underliggande katalogen växer. Slå upp själva koden i NACE-kodsökningen.
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