Credit ratings are given by credit ratings agencies. Currently, credit ratings agencies give ratings to organisations based on the fees of those same organisat

Credit ratings are given by credit ratings agencies. Currently, credit ratings agencies give ratings to organisations based on the fees of those same organisations asking them to rate them. This creates a conflict of interest. A large conflict of interest. Like most FinTech, and change is more a question of law and regulation than it is technology 'disrupting' an opportunity. In finance, laws or regulations change and Fintech tends to be the fastest to react. It is regulators who drive where Fintech goes (not in all cases, but in I'd argue most), however.