tag:creditcresttechnologies.com.au,2026-10-04:researchCreditcrest ResearchResearch for lenders: what we measured, what the law asks of a lender, and what the public figures say.2026-10-11T00:00:00ZCreditcrest Technologies Pty Ltdhttps://creditcresttechnologies.com.auhttps://creditcresttechnologies.com.au/research/census-and-house-pricesWhat the Census says about house prices2026-10-11T00:00:00Z2026-10-11T00:00:00ZEvery 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.https://creditcresttechnologies.com.au/research/what-moves-each-credit-productWhat moves each credit product2026-10-10T00:00:00Z2026-10-10T00:00:00ZWhat 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.https://creditcresttechnologies.com.au/research/afca-complaints-and-how-to-fix-themWhat Australians complain to AFCA about, and how to fix it at the source2026-10-10T00:00:00Z2026-10-10T00:00:00ZThe 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.https://creditcresttechnologies.com.au/research/credit-reporting-who-answers-for-the-dataCredit reporting: who answers for the data, and what should change2026-10-10T00:00:00Z2026-10-10T00:00:00ZWhat 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.https://creditcresttechnologies.com.au/research/what-drives-credit-and-house-pricesWhat drives credit and house prices2026-10-05T00:00:00Z2026-10-05T00:00:00ZWhich 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.https://creditcresttechnologies.com.au/research/small-lending-october-2026Small lending in Australia — October 20262026-10-04T00:00:00Z2026-10-04T00:00:00ZA 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.https://creditcresttechnologies.com.au/research/statement-categorisation-accuracyHow accurate is bank statement categorisation — and how we measure it2026-10-04T00:00:00Z2026-10-04T00:00:00ZPrecision, 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.https://creditcresttechnologies.com.au/research/cost-of-a-small-amount-loanWhat it costs to run a small amount loan2026-10-04T00:00:00Z2026-10-04T00:00:00ZWhat 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.https://creditcresttechnologies.com.au/research/hardship-is-not-defaultHardship is not default: what the law asks of a lender2026-10-04T00:00:00Z2026-10-04T00:00:00ZWhat 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.