New to bank customers have suffered from the traditional model of lending, based on their financial position, with data sources predominantly being sourced from the major Credit Bureaus. The problem this creates is a ‘computer says no’ scenario for these borrowers. Banks are losing the ability to analyse these new to bank customers, creating a gap whereby these thin credit file customers are being rejected with no clear underlying problems. For Gen Z and Millennial borrowers, as banks continue to say ‘no’, their credit files remain ‘thin’, creating even greater demand as time passes.