Elite Knowledges
Framing Risk and the Geographies of Credit
Bibliographic Data
| ID | 4138937 |
|---|---|
| Authors | Thomas Wainwright (0009-0003-5415-4558, Small Business Research Centre, Kingston University, Kingston Hill, Kingston Upon Thames, Surrey KT2 7LB, England, corresponding author) |
| Year | 2011 |
| Volume | 43 |
| Issue | 3 |
| Pages | 650-665 |
| Publication date | 2011-03-01 |
| Peer Reviewed | Yes |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | Environment and Planning A Economy and Space (JOURNAL) |
| Journal identifiers | ISSN: 0308-518X • E-ISSN: 1472-3409 |
| Publisher | SAGE Publications Inc (PUBLISHER) |
| DOI | 10.1068/a43331 |
| OpenAlex | W2092386088 |
| Language | EN |
| Citations received | 10 |
| References cited | 48 |
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
Actuarial science · Business · Credit risk · Elite · Geography · Political science · Sociology · Banking stability, regulation, efficiency · Housing Market and Economics · Housing, Finance, and Neoliberalism · Law
A geographical political economy of banking crises
Finance’s outsiders
Number crunching
Introduction
Credit expansion and socio-economic heterogeneity of debtors in foreclosure
Financial advisors, financial ecologies and the variegated financialisation of everyday investors
Rental proptech platforms
Consumer Credit in Comparative Perspective
Cache society
Consumer credit default and collections
Is Economics Performative? Option Theory and the Construction of Derivatives Markets
The Use of Multiple Measurements in Taxonomic Problems
The Color of Credit
Discriminating Risk
Sorting Things Out
The restructuring of the U.K. financial services industry in the 1990s
Mutuality, De‐Mutualization and Communities
Working for themselves? Capital market intermediaries and present day capitalism
The Globalization and Europeanization of Mortgage Markets
The Rise of Statistical Thinking, 1820-1900
Parasitic Formulae
Uncertainty, Risk, and Trust
Lives Lived and Lives Told
Redlining Revisited
Laying the Foundations for a Crisis
Towards an Ecology of Retail Financial Services
An Introduction to Market Devices
Elites
Where do Analysts Come from? The Case of Financial Chartism
Scorecards as Devices for Consumer Credit
Practices of Calculation
Traders' Engagement with Markets
Lists come alive
Lending by numbers
Repoliticizing financial risk
| Unique citing works | 10 |
|---|---|
| Citations per year | 0,71 |
| Citation span | 2012 - 2023 (12) |
| Citation velocity | historical |
| Highly cited | No |
| Citation types | Neutral: 10 |