{"id":12882,"date":"2023-06-02T09:35:06","date_gmt":"2023-06-02T13:35:06","guid":{"rendered":"https:\/\/afcomunicacion.com\/uncategorized\/transunion-study-most-new-to-credit-consumers-in-the-dominican-republic-get-credit-on-their-first-application\/"},"modified":"2023-06-02T09:35:06","modified_gmt":"2023-06-02T13:35:06","slug":"transunion-study-most-new-to-credit-consumers-in-the-dominican-republic-get-credit-on-their-first-application","status":"publish","type":"post","link":"https:\/\/afcomunicacion.com\/en\/press-room\/transunion-study-most-new-to-credit-consumers-in-the-dominican-republic-get-credit-on-their-first-application\/","title":{"rendered":"New TransUnion study finds most new-to-credit consumers in the Dominican Republic get credit on their first application and are satisfied with the amount received"},"content":{"rendered":"\n<ul class=\"wp-block-list\">\n<li><em>Consumers of every generation access credit for the first time each year.<\/em><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/afcomunicacion.com\/wp-content\/uploads\/2023\/06\/Estudio-consumidores-nuevos-al-credito-1024x576.png\" alt=\"Illustration\" class=\"wp-image-8086\" width=\"476\" height=\"267\" srcset=\"https:\/\/afcomunicacion.com\/wp-content\/uploads\/2023\/06\/Estudio-consumidores-nuevos-al-credito-1024x576.png 1024w, https:\/\/afcomunicacion.com\/wp-content\/uploads\/2023\/06\/Estudio-consumidores-nuevos-al-credito-300x169.png 300w, https:\/\/afcomunicacion.com\/wp-content\/uploads\/2023\/06\/Estudio-consumidores-nuevos-al-credito-768x432.png 768w, https:\/\/afcomunicacion.com\/wp-content\/uploads\/2023\/06\/Estudio-consumidores-nuevos-al-credito.png 1200w\" sizes=\"auto, (max-width: 476px) 100vw, 476px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong>Santo Domingo, Dominican Republic, June 2023. <\/strong>\u2014 In the Dominican Republic and around the world, new-to-credit consumers <a>\u2013 <\/a>those in the early stages of their credit journey \u2013 generally gain access to credit on their first application and are satisfied with the amount received. However, most anticipate life events or expenses in the near future for which they say access to additional credit will be key. These are among the findings of the recently published global study by <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">TransUnion (NYSE: TRU)<\/mark><\/strong>, &#8220;<strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Expanding Access to Credit: A Deeper Look at New-to-Credit Consumers<\/mark><\/strong>&#8220;.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><mark class=\"has-inline-color has-vivid-cyan-blue-color\">The study gives lenders in both developed and developing credit markets insights into how to address the credit needs of new-to-credit consumers and what these consumers value most in their credit providers<\/mark>. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">The global study included credit data and findings on millions of consumers across a range of global markets, including Canada, Colombia, Hong Kong, India, the United States and South Africa, as well as the results of a global online survey of consumers in the Dominican Republic, Brazil, Canada, Colombia, India, the Philippines, the United States and South Africa.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">TransUnion<\/mark><\/strong> <mark class=\"has-inline-color has-vivid-cyan-blue-color\">defined a new-to-credit consumer<\/mark> <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">(NTC)<\/mark><\/strong> as someone with no traditional credit history at credit bureaus who opens their first traditional credit product, such as a vehicle loan, credit card or other country-specific credit. <mark class=\"has-inline-color has-vivid-cyan-blue-color\">The part of the study focused on credit data examined the behaviour and performance of these new-to-credit consumers during the two years after they opened their first credit product.<\/mark> The global online survey gathered these consumers&#8217; perceptions about credit.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">&#8220;<mark class=\"has-inline-color has-vivid-cyan-blue-color\">Credit inclusion<\/mark> \u2013 that is, consumers&#8217; ability to access traditional credit products such as credit cards, home loans and personal loans \u2013 is a particularly important aspect of financial inclusion. These products serve as a means of financial mobility for consumers and can be a gateway to a better quality of life, enabling home ownership, business formation and wealth creation,&#8221; <mark class=\"has-inline-color has-vivid-cyan-blue-color\">said <\/mark><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Charlie Wise, co-author of the study and head of global research at TransUnion<\/mark><\/strong>.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">&#8220;The more consumers who can participate in a country&#8217;s credit markets, the greater the opportunities for broad economic inclusion. Our study data shows that new-to-credit consumers are often good risks, with growing credit needs, and will show loyalty to the financial institutions that offer them their first credit products,&#8221; he added.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">In the Dominican Republic, 205,000 consumers opened their first credit product and became <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>in 2022, and another 49,000 became <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>in the first 3 months of 2023. In 2022, Generation Z made up the largest share of this group at 56%, followed by Millennials (29%), Generation X (11%) and Baby Boomers (4%). The credit card was the most common first product opened in the Dominican Republic in 2022, chosen by 63% of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers, followed by personal loans, chosen as the first product by 33% of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC<\/mark><\/strong> consumers.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong><em>Better understanding NTC consumer trends<\/em><\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">TransUnion <\/mark><\/strong>also conducted survey-based market research to understand the perspective of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC<\/mark><\/strong> consumers, including responses from 8,465 <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers in multiple markets, to better understand the perceptions, attitudes and experiences of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC<\/mark><\/strong> consumers regarding credit that may be influencing their needs and behaviours.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">The survey results revealed that new expenses were the main reason for opening a first credit product in almost every market, including the Dominican Republic.<\/mark><\/strong>  The exceptions were the United States and Canada, where the main motivation was having a convenient way to spend. Payment convenience was the second most cited factor in the Dominican Republic. This is in line with the choice of first product opened: in the Dominican Republic, as in the United States and Canada, the most commonly opened first product is a credit card.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">Most <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers in all countries except India said they received a credit product from the first lender they applied to, without needing to approach several lenders. In the Dominican Republic, 57% of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers said they received a credit product from the first lender they applied to. In addition, 86% of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers surveyed said they were satisfied with the amount of credit received.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">The study also revealed that convenience is a key factor for <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers and can lead to more opportunities for lenders in the future. When<mark class=\"has-inline-color has-black-color\"> choosing which lender <\/mark>to open their first product with, convenience was cited as the main criterion in all regions except Brazil. <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">In the Dominican Republic, 34% of consumers cited convenience as the main factor, while another 22% said it was because they already had an account with the lender or because it had been recommended by friends or family.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">Finally, lenders that give <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers their first credit can also benefit by building customer loyalty. According to the survey results, good service was cited by respondents in the Dominican Republic as the main reason for staying with the same lender when opening future credit products. Interestingly, more effective communication emerged as the main factor for a better experience with the lender, ahead of higher credit limits and better rewards.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">&#8220;Driving credit inclusion starts with better understanding the perspectives of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers and what drives them to seek more credit, as well as with education on the ways they can build and improve their credit profiles. By doing so, lenders can play a key role in helping more consumers participate actively in the credit market and promote greater credit inclusion,&#8221; <mark class=\"has-inline-color has-vivid-cyan-blue-color\">said <\/mark><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Virginia Olivella, director of research and consulting for TransUnion LATAM.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong>Most new-to-credit consumers are looking for new credit products<\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><mark class=\"has-inline-color has-vivid-cyan-blue-color\">The survey results also indicated that, despite their lack of credit experience, <strong>NTC<\/strong> consumers understand the benefits and risks of credit and want to stay in control of their finances. <\/mark>On average, around six in ten <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers said their need for credit would increase in the next three to five years, with the highest levels seen in developing markets (led by India at 79%). About 73% of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers in the Dominican Republic said their need for credit would increase over the same period.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">However, 40% of NTC consumers in the Dominican Republic said the reason they did not take on more credit was that they did not want to go into debt.<\/mark><\/strong> This still means that most consumers are looking to gain greater access to credit and use it for their financial needs. Concern about losing control of their finances was another reason given by 34% of these consumers for not seeking more credit. Globally, wanting to avoid debt was the most cited reason for not wanting more credit, except in India and the Philippines, where not wanting to lose control of their finances was the main reason.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">Around the world, respondents said they plan to apply for credit in 2023 to varying degrees. In the Dominican Republic, 62% of <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">NTC <\/mark><\/strong>consumers plan to apply for credit. This significant share of consumers intending to seek credit shows there is real need for and interest in credit. Finding ways to meet the needs of this large consumer population, while managing risk prudently, represents a significant growth opportunity for lenders.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">The survey results also showed that 45% of new-to-credit consumers in the Dominican Republic would expand their use of credit if they had a significant life event in the future \u2013 such as getting married or having a child \u2013 that created a greater need for credit. In addition, 32% of new-to-credit consumers would expand their use of credit if they received information about its availability and benefits, 29% if lower payments were possible and 25% if they had greater clarity about the total cost of credit, including fees and interest.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><mark class=\"has-inline-color has-vivid-cyan-blue-color\">&#8220;New-to-credit consumers in the Dominican Republic and around the world appear to have growing credit needs, while understanding the risks of taking on too much debt,&#8221;<\/mark> <strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">added Olivella<\/mark><\/strong>. &#8220;Many of these consumers want to learn more about the benefits of credit and expect affordable interest rates and monthly payments, along with clarity about the total cost of credit.&#8221;<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\">&#8220;It is clear that new-to-credit consumers around the world and in the Dominican Republic will play an important role in growing many lenders&#8217; portfolios,&#8221; said Olivella. &#8220;Banks, credit unions and other financial institutions that use alternative data while offering products, channels and a positive onboarding process will likely be the ones that succeed in building loyalty with this segment of the population.&#8221;<\/p>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><mark class=\"has-inline-color has-vivid-cyan-blue-color\">For detailed information on all the markets covered in the study,<\/mark><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\"> <\/mark><\/strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\"><\/mark><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\"><a href=\"https:\/\/www.transunion.co\/lp\/new-to-credit?utm_campaign=int-latam-23-global-new-to-credit-research-col&amp;utm_content=report&amp;utm_medium=press-release&amp;utm_source=press-release\" target=\"_blank\" rel=\"noreferrer noopener\">click here<\/a>.<\/mark><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/afcomunicacion.com\/wp-content\/uploads\/2022\/06\/transunion-logo-fixed-min-300x129.png\" alt=\"\" class=\"wp-image-6794\" width=\"275\" height=\"118\" srcset=\"https:\/\/afcomunicacion.com\/wp-content\/uploads\/2022\/06\/transunion-logo-fixed-min-300x129.png 300w, https:\/\/afcomunicacion.com\/wp-content\/uploads\/2022\/06\/transunion-logo-fixed-min.png 600w\" sizes=\"auto, (max-width: 275px) 100vw, 275px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color wp-block-paragraph\"><strong>About TransUnion (NYSE: TRU)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">TransUnion<\/mark><\/strong> is a global information and insights company that makes trust possible in the modern economy. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. As a result, businesses and consumers can transact with confidence and achieve great things. We call this Information for Good<strong>.<\/strong>\u00ae.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With a leading presence in more than 30 countries across five continents, TransUnion provides solutions that help create economic opportunity, great experiences and personal empowerment for hundreds of millions of people.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.transunion.do\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.transunion.do<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Find out more about <a href=\"https:\/\/afcomunicacion.com\/nosotros\/\" target=\"_blank\" rel=\"noreferrer noopener\">AF Comunicaci\u00f3n Estrat\u00e9gica<\/a><a href=\"https:\/\/afcomunicacion.com\/nosotros\/\"> <\/a>and <a href=\"https:\/\/afcomunicacion.com\/nuestros-clientes\/\" target=\"_blank\" rel=\"noreferrer noopener\">its clients<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Santo Domingo, Dominican Republic, June 2023. \u2014 In the Dominican Republic and around the world, new-to-credit consumers \u2013 those in the early stages of their credit journey \u2013 generally gain access to credit on their first application and are satisfied with the amount received. However, most anticipate life events or expenses in the near future [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":8086,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[485,486],"tags":[3018,2991,3019,3020,3021,3022,3023,3024,2238,3025,3026],"class_list":["post-12882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en","category-press-room","tag-consumidores-en","tag-credito-en","tag-creditos-de-vivienda-en","tag-creditos-personales-en","tag-experiencia-crediticia-en","tag-inclusion-crediticia-en","tag-ntc-en","tag-tarjetas-de-credito-en","tag-transunion-en","tag-transunion-latam-en","tag-trayectoria-crediticia-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New TransUnion study finds most 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