3 Ways To Improve Credit Risk Models For Financial Lenders
Joel Blake
July 11, 2023
GFA Exchange, the company transforming SME financial health data into a real-time tradable asset class, has been recognised as one of the UK’s Top 50 Most Innovative Financial Technology Companies for 2025.
This marks its third consecutive inclusion, cementing its position as one of the most disruptive forces in risk intelligence. Selected through a combination of expert industry judges and a nationwide public vote, the FinTech50 list showcases companies reshaping the future of banking, payments, and financial services.
GFA Exchange’s continued ranking signals a major shift in the industry: lenders are demanding more transparency, more accuracy, and more real-time insight into SME portfolios.
Legacy risk providers still depend on fragmented datasets, slow manual reviews, and opaque scoring systems - a model that results in millions in unnecessary losses and excludes many high-potential SMEs from fair access to finance.
GFA Exchange has built a next-generation financial health data marketplace that enables lenders to benchmark, monitor, and trade anonymised SME portfolio insights in real time - this allows financial institutions to quickly identify underperforming clients and unlock new growth opportunities in real-time, with more transparency and precision.
“Being named in the FinTech50 for the third year running validates what our lender partners already know,” said Joel Blake OBE, Founder & CEO of GFA Exchange. “The market is ready to move beyond outdated thinking. Risk intelligence should be real-time, transparent, and directly actionable, and not a static score based on last year’s filings.”
GFA Exchange ranked above major fintech innovators, including Tide, Allica Bank, and GoCardless; a signal of the growing market appetite for accurate, real-time SME insight.
“To be recognised alongside organisations we truly admire is humbling,” Joel added. “But this year’s ranking is more than an industry acceptance by incrementally improving risk models. We are here to redefine the entire risk landscape for the global SME market.”
To celebrate their FinTech50 recognition, GFA Exchange is offering lenders a complimentary bespoke portfolio benchmarking report, revealing which SME clients are most at risk of underperformance and which show the strongest immediate growth potential.
Request your free report by emailing: support@gfaexchange.com using the subject line: F50REP (Available for a limited time)
