Research
Research for lenders
What we have measured, what the law asks of a lender, and what the public figures say. Short, dated, and every figure with its source.
Indicators
-
Indicator
Cost of living by household
The CPI is one number. How the year’s price changes landed on renters and owners, families and people living alone, and lower and higher incomes, from ABS figures.
Articles and briefs
-
Quarterly brief
Small lending in Australia — October 2026
A one-page brief for lenders’ boards: the cash rate, inflation, jobs, household debt and arrears, and what ASIC has said about small loans, hardship and buy now pay later. Public figures only.
-
Bank statements
How accurate is bank statement categorisation — and how we measure it
Precision, coverage and the trade-off between them: how we measure our statement reader on transactions its rules never saw, what it reads today, and what holds it back.
-
Small amount credit
What it costs to run a small amount loan
What the fee caps let a lender earn on an average small amount credit contract, and the costs that come out of it: acquisition, checks, servicing, collections, disputes and defaults.
-
Hardship
Hardship is not default: what the law asks of a lender
What the National Credit Code and credit reporting law require when a borrower asks for hardship help, why hardship and default must be kept apart, and what a lender’s systems should do.
General information, not legal or financial advice. Corrections to hello@creditcresttechnologies.com.au.