The financial crisis made the word credit infamous. It was upgraded from financial jargon to everyday language. People became more aware of ‘scores’ and ‘ratings’ and how they affect so many things: your ability to get a job, buy or rent a property, get a mobile phone contract, car insurance or open a bank account. As last year’s global events demonstrated, the world is changing. People have different demands now compared to even just a few years ago. The same is true of the financial industry.