Risk-based pricing of interest rates for consumer loans

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Why Has Home Ownership Fallen among the Young (2009, unknown): “Edelberg (2006) discusses the expanded use of sophisticated credit scoring methods in the mid-1990s.”
Debt and Financial Vulnerability on the Verge of Retirement (2019, background): “Another often-cited explanation is that technological change in the lending market induced risk-based pricing, reduced distribution costs, and contributed to other innovations that made it easier for households to borrow (Dynan, 2009; Edelberg, 2006).”
The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions (2013, background): “[16] Edelberg W.”
Determinants of Default in P2P Lending (2015, background): “Interest rates should be more a matter of credit risk than a matter of cost [41].”