Once measuring the risk of the consumer I always want to focus on following:
1. What i the real truth.... not what somebody tells me or somebody can fake
2. Once anything is faked what is faked and what is the pattern of it
3. Look on the real/described data in the region
For the real truth in the consumer risk business in finances I seek the flow, cash flow as the truth. It is a combination of having ablitity to pay and willingness to pay. It seems like once there is ability the willingness is 100%. That is proven to be wrong and it is usual, that rich people pay its debts latest and always look for the way to avoid paying them.
Also no ability to pay doesnt mean no willingness or even no payment at all. I consider, that every living person does generate. If it is a small cash flow, small flow of other services and goods. Connect to the flow and the willingness will transfer to ability and than to solution.
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