Elite knowledges: framing risk and the geographies of credit

Wainwright, Thomas (2011) Elite knowledges: framing risk and the geographies of credit. Environment and Planning A, 43, (3), 650-665. (doi:10.1068/a43331).


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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.

Item Type: Article
Digital Object Identifier (DOI): doi:10.1068/a43331
ISSNs: 0308-518X (print)
1472-3409 (electronic)
Subjects: H Social Sciences > HA Statistics
H Social Sciences > HG Finance
Divisions : ?? uos2011-F1-TR-SI ??
ePrint ID: 340860
Accepted Date and Publication Date:
Date Deposited: 04 Jul 2012 13:27
Last Modified: 31 Mar 2016 14:30
URI: http://eprints.soton.ac.uk/id/eprint/340860

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