Inverite: As Credit Confidence Shifts, the Opportunity Is in Better Signals, Not Bigger Scores

Core Perspective - The article discusses a growing loss of confidence among Canadians in the traditional credit system, as highlighted by the 2025 Credit Confidence Survey, which indicates that nearly half of Canadians believe building credit has become more difficult compared to previous generations [2][3]. Company Insights - Inverite Insights Inc. views the survey findings as indicative of a broader shift in financial behavior, suggesting that existing credit evaluation tools have not evolved to reflect modern financial management [3][4]. - The company emphasizes the need for clearer signals in credit evaluation to rebuild confidence, arguing that data-driven infrastructure can help lenders better understand contemporary financial behaviors [3][5]. Industry Opportunities - Inverite believes that enhancing the measurement of financial behavior with timely and transparent data is essential for restoring confidence in credit systems [4][5]. - The company sees the current discussions around open banking, data portability, and financial modernization in Canada as an opportunity for collaboration among financial institutions, fintechs, and policymakers to align credit evaluation with modern consumer behavior [5].