Open Daily: 10am - 10pm | Alley door pickup 10am - 7pm 3038 Hennepin Ave Minneapolis, MN
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  • Open Daily: 10am - 10pm
    Alley-side Pickup: 10am - 7pm

    3038 Hennepin Ave Minneapolis, MN
    612-822-4611

Open Daily: 10am - 10pm | Alley-side Pickup: 10am - 7pm
3038 Hennepin Ave Minneapolis, MN
612-822-4611
Trust and Power in Consumer Credit Relationships: Rethinking Creditworthiness in the Data-Driven Age

Trust and Power in Consumer Credit Relationships: Rethinking Creditworthiness in the Data-Driven Age

Gibbons, Damon

Hardcover

Business GeneralInvesting & Finance

ISBN10: 3032139562
ISBN13: 9783032139566
Publisher: Palgrave MacMillan
Published: Jan 29 2026
Pages: 175
Weight: 0.99
Height: 0.50 Width: 6.14 Depth: 9.21
Language: English
This book examines the structural asymmetries embedded in contemporary consumer credit systems. Trust--essential to economic exchange--is increasingly withheld from borrowers while demanded of them. Lenders operate with minimal visibility or accountability; borrowers must navigate opaque infrastructures, absorb unilateral judgments, and bear the consequences of exclusion. Over the past two decades, credit markets have expanded through algorithmic risk assessment and automated decision-making. Yet the cost of evaluating 'creditworthiness'--and the entrenchment of risk-based pricing--has deepened exclusion for those experiencing financial difficulty. Surveillance-based scoring systems discipline borrower behaviour, obscure hardship, and produce reputational harm that reverberates across households and public institutions. At the centre of the book is the Trust Intelligent framework: a seven-domain model for diagnosing and redesigning trust-power configurations in credit relationships. It operationalises trust to reduce systemic risk, improve decision accuracy, and restore borrower agency. Grounded in empirical evidence, the framework supports practical reforms--integrating contextual data into credit files, rendering lender conduct visible, and establishing multistakeholder oversight of algorithmic systems. Rather than accepting the trajectory of deeper data extraction and one-sided surveillance, the book proposes a reciprocal model of information exchange--one that improves outcomes and embeds mutual accountability. It offers a blueprint for reform that is both conceptually rigorous and institutionally actionable. This is a book for those who design, regulate, and critique credit systems: lenders, credit reference agencies, financial regulators, consumer advocates, and scholars of trust, governance, and institutional design. Drawing on economics, sociology, political science, and organisational studies, it presents a multidisciplinary account of how trust can be rebuilt--within and beyond consumer credit.

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