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- W4200104893 abstract "Since their introduction in the 1980s, credit scores have been the dominant method used to assess the creditworthiness of individuals. However, they rely heavily on situational factors which may lead to good long term borrowers being denied due to unfortunate recent circumstances. Instead, there is emerging evidence that a number of psychological factors including personality traits, attitudes and behaviours play an important role in the acquisition and outcomes of credit. Taking account of these factors may provide a better picture of the long term creditworthiness of individuals, despite their current circumstances. This review paper takes the important step of collating the latest research on the psychological factors involved throughout the credit process from acquisition to financial outcomes. It highlights the multifaceted nature of personal credit use with the various inextricably linked personality, attitudinal and behavioural factors involved" @default.
- W4200104893 created "2021-12-31" @default.
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- W4200104893 date "2021-12-23" @default.
- W4200104893 modified "2023-09-24" @default.
- W4200104893 title "A Review of the Psychological Factors Affecting the Acquisition and Outcomes of Credit" @default.
- W4200104893 doi "https://doi.org/10.31234/osf.io/qa73h" @default.
- W4200104893 hasPublicationYear "2021" @default.
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