Introduction The Q3 “risk-off” pattern we outlined (tight/uneven business credit, cautious bank posture, and rising stress in selected markets) still holds — but TransUnion’s new 2026 U.S. consumer...
Trends in Credit Climate by Country Articles
Credit Climate: Britain’s Mounting Credit Crisis Puts the Squeeze on Consumers
Four million people in England and Wales are now trapped in a negative budget—their income no longer covers basic necessities such as food, energy, or housing. The latest warning from Citizens...
If You Ask Me: AI Supported Credit Information May Be Leading the Way to Become the Guardian of Credit Discipline
Here are my Takeaways from the Moody’s Q3 Earnings Call: The results speak for themselves: For the first time Moody’s has reached US$2bn in revenue per quarter; revenue growth: a commendable 11%...
UK Credit Climate: Fraud Concerns Escalate in Financial Sector
Concerns over fraud have escalated sharply across the UK financial sector, with 68% of firms saying they are more worried about it today than 18 months ago, according to a new report from Dun &...
Private Credit’s Reckoning – When the Lights Go Out
If you ask me [Joachim C Bartels] as the writer of this article and as a veteran in credit information, I am appalled by the apparent short memories within the credit system, the workings behind the...
The First Brands Group Collapse Update: Raistone Claims US$2.3bn ‘Simply Vanished’
"Dé·jà vu" ... here we go again ... shades of Enron, Wirecard etc. We wrote about this story a couple of days ago with the title: "Defaults Rattle the Private Credit Market" which may be signaling...
Credit Climate: The First Brands Group Collapse May Signal Private Credit Market Bust
We wrote about this story a couple of days ago with the title: "Defaults Rattle the Private Credit Market" which may be signaling the end of the private credit boom. The collapse of First Brands...
Credit Climate Trends: Strained Credit Markets and “Risk Off” Situations Exists in Several Big Markets
Summary of Q III 2025 Credit Climate Trends: The “risk-off” tone you’ve been noticing is visible in several big markets (U.S. business lending, euro-area consumer credit, Germany’s SME constraints,...
Payment Channel Trends: Virtual card will be the fastest-growing B2B payment channel over the next five years
B2B Payments to Hit $224 Trillion by 2030 Globally, Driven by Emerging Market Expansion A new study by global tech strategists Juniper Research has found that B2B payments will exceed $224 trillion...








