Working Paper Cnr-Ceris, N° 20/2014 

Making access to credit more democratic: tools and practices between social innovation and old inequalities*

  Valentina Moiso

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Abstract: The economic crisis highlights the problem of access to credit also from the point of view of families. The Italian banking industry has launched projects aimed at offering financial support to disadvantaged people, implementing new products for certain categories of customers normally excluded from credit due to the high risks involved. The information collected about each customer is an input in the decision-making process. Hence, it is crucial to investigate how it is selected, how it is (re)assembled, and how it is evaluated. Understanding how information about a customer is selected and processed helps us to identify what resources owned by households are translated into a positive score to access credit and into opportunities to enjoy additional goods and services, thus reconfiguring the trends of inclusion and exclusion within the financial system.

Keywords: access to credit, risk evaluation, peer to peer lending, financial and social innovation.

JEL Codes: G1, I39, D14, Z13

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