Elite Knowledges: Framing Risk and the Geographies of Credit

Thomas Wainwright
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Thomas Wainwright: Small Business Research Centre, Kingston University, Kingston Hill, Kingston upon Thames, Surrey KT2 7LB, England

Environment and Planning A, 2011, vol. 43, issue 3, 650-665

Abstract: This paper examines the history of credit scoring in Britain, and how this technology was imported from the US and adapted by the British retail banking sector. It seeks to highlight the elites who develop the social codes embedded within credit scoring software, to offer insight into the complex techno-economic networks that produce the geographies of financial inclusion, exclusion, and differential risk pricing. It is argued that the scientific status of these systems is questionable, due to the social interactions involved within the statistical modelling. Finally, the paper suggests that the spaces of credit are fluid, based upon the frequent social recalibrations of these models.

Date: 2011
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Persistent link: https://EconPapers.repec.org/RePEc:sae:envira:v:43:y:2011:i:3:p:650-665

DOI: 10.1068/a43331

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