{
  "version": "https://jsonfeed.org/version/1.1",
  "title": "Creditcrest Research",
  "home_page_url": "https://creditcresttechnologies.com.au/research",
  "feed_url": "https://creditcresttechnologies.com.au/research/feed.json",
  "description": "Research for lenders: what we measured, what the law asks of a lender, and what the public figures say.",
  "language": "en-AU",
  "authors": [
    {
      "name": "Creditcrest Technologies Pty Ltd",
      "url": "https://creditcresttechnologies.com.au"
    }
  ],
  "items": [
    {
      "id": "https://creditcresttechnologies.com.au/research/census-and-house-prices",
      "url": "https://creditcresttechnologies.com.au/research/census-and-house-prices",
      "title": "What the Census says about house prices",
      "summary": "Every ABS Census figure tested against house prices by suburb, council and state, with migration by country of birth: which way each link runs, what fails to predict growth, and the next three years.",
      "date_published": "2026-10-11T00:00:00Z",
      "tags": [
        "Housing and the Census"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/what-moves-each-credit-product",
      "url": "https://creditcresttechnologies.com.au/research/what-moves-each-credit-product",
      "title": "What moves each credit product",
      "summary": "What moves home loans, cards, personal, car and small loans, buy now pay later and small business lending: the top five drivers of each, weighted, checked against history, with paths to 2031 and 2036.",
      "date_published": "2026-10-10T00:00:00Z",
      "tags": [
        "Credit products"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/afca-complaints-and-how-to-fix-them",
      "url": "https://creditcresttechnologies.com.au/research/afca-complaints-and-how-to-fix-them",
      "title": "What Australians complain to AFCA about, and how to fix it at the source",
      "summary": "The most common complaints about credit at the Australian Financial Complaints Authority, the cause of each, and whether the fix is a law, a regulation, enforcement or an awareness campaign.",
      "date_published": "2026-10-10T00:00:00Z",
      "tags": [
        "Complaints"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/credit-reporting-who-answers-for-the-data",
      "url": "https://creditcresttechnologies.com.au/research/credit-reporting-who-answers-for-the-data",
      "title": "Credit reporting: who answers for the data, and what should change",
      "summary": "What Australian law makes credit bureaus and lenders responsible for, what happens when a lender stops updating, whether a concentrated, foreign-owned market matters, and the changes that would fix the gaps.",
      "date_published": "2026-10-10T00:00:00Z",
      "tags": [
        "Credit reporting"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/what-drives-credit-and-house-prices",
      "url": "https://creditcresttechnologies.com.au/research/what-drives-credit-and-house-prices",
      "title": "What drives credit and house prices",
      "summary": "Which assumptions about mortgage arrears and house prices hold up in Australia’s official data, what else matters, and how far a suburb’s price can be forecast.",
      "date_published": "2026-10-05T00:00:00Z",
      "tags": [
        "Housing and credit"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/small-lending-october-2026",
      "url": "https://creditcresttechnologies.com.au/research/small-lending-october-2026",
      "title": "Small lending in Australia — October 2026",
      "summary": "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.",
      "date_published": "2026-10-04T00:00:00Z",
      "tags": [
        "Monthly brief"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/statement-categorisation-accuracy",
      "url": "https://creditcresttechnologies.com.au/research/statement-categorisation-accuracy",
      "title": "How accurate is bank statement categorisation — and how we measure it",
      "summary": "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.",
      "date_published": "2026-10-04T00:00:00Z",
      "tags": [
        "Bank statements"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/cost-of-a-small-amount-loan",
      "url": "https://creditcresttechnologies.com.au/research/cost-of-a-small-amount-loan",
      "title": "What it costs to run a small amount loan",
      "summary": "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.",
      "date_published": "2026-10-04T00:00:00Z",
      "tags": [
        "Small amount credit"
      ]
    },
    {
      "id": "https://creditcresttechnologies.com.au/research/hardship-is-not-default",
      "url": "https://creditcresttechnologies.com.au/research/hardship-is-not-default",
      "title": "Hardship is not default: what the law asks of a lender",
      "summary": "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.",
      "date_published": "2026-10-04T00:00:00Z",
      "tags": [
        "Hardship"
      ]
    }
  ]
}