‘Lending by numbers’: credit scoring and the constitution of risk within American consumer credit

By D. Marron. 2007

142 citations recorded by the source corpus.

Subfields: Economics and Econometrics, Finance

View Paper: https://www.semanticscholar.org/paper/d702403acebf7019d440ed18a8a37d552e544aeb

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Citations in the corpus

Financializing space, spacing financialization (2011, methodology): “Emboldened by the success of credit scoring in extending the range and scope of the prime market (Leyshon and Thrift 1999; Marron 2007), such techniques were adapted to be able to advance loans for ‘non-standard’ borrowers, including those with ‘impaired’ credit histories and low scores on…”
Democracy of Credit: Ownership and the Politics of Credit Access in Late Twentieth-Century America1 (2016, background): “In this sense, the effect of credit scoring, as with actuarial techniques generally, was “ [to place] people in groups that have no experienced meaning for the members ” (Simon 1988, p. 774; cf. Marron 2007).”
Geographies of money and finance II (2012, background): “Moreover, face-to-face risk assessment of creditworthiness, often held in branches, has increasingly been replaced by credit-scoring technologies undertaken remotely (French and Leyshon, 2004; Leyshon and Thrift, 1999; Marron, 2007).”
Classification situations: Life-chances in the neoliberal era (2013, unknown): “15 For details on scoring technologies see Leyshon and Thrift (1999), Marron (2007) and Poon (2007).”
The Financialization of Home and the Mortgage Market Crisis (2008, unknown): “…high-risk credit scores are priced differently from those with low-risk credit scores: ‘What was avoided before as “bad risk” becomes sought after as a high return, growth-fuelled dynamic market segment, as distinct from a “safe”, sclerotic, “middle of the road” market’ (Marron 2007: 126).”
Financial exclusion and the geography of bank and building society branch closure in Britain (2008, background): “…as the replacement of traditional face-to-face systems of risk assessment and management with sophisticated, at-a-distance credit scoring (Bailey and French, 2005; Burton et al., 2004; French et al., 2005; French and Leyshon, 2004; Leyshon and Thrift, 1999; Marron, 2007; Richardson et al., 2000).”
Classification methods applied to credit scoring: A systematic review and overall comparison (2016, unknown): “…Ong et al. (2005); Baesens et al. (2005); Wang et al. (2005); Lee et al. (2006); Huang et al. (2006b); Xiao et al. (2006); Van Gestel et al. (2007); Martens et al. (2007); Hu and Ansell (2007); Tsai (2008); Abdou et al. (2008); Sinha and Zhao (2008); Luo et al. (2009); Finlay (2009); Abdou (2009);…”