{"product_id":"trust-and-power-in-consumer-damon-gibbons-9783032139566","title":"Trust and Power in Consumer Credit Relationships: Rethinking Creditworthiness in the Data-Driven Age","description":"This book examines the structural asymmetries embedded in contemporary consumer credit systems. Trust--essential to economic exchange--is increasingly withheld from borrowers while demanded of them. Lenders operate with minimal visibility or accountability; borrowers must navigate opaque infrastructures, absorb unilateral judgments, and bear the consequences of exclusion. Over the past two decades, credit markets have expanded through algorithmic risk assessment and automated decision-making. Yet the cost of evaluating 'creditworthiness'--and the entrenchment of risk-based pricing--has deepened exclusion for those experiencing financial difficulty. Surveillance-based scoring systems discipline borrower behaviour, obscure hardship, and produce reputational harm that reverberates across households and public institutions. At the centre of the book is the Trust Intelligent framework: a seven-domain model for diagnosing and redesigning trust-power configurations in credit relationships. It operationalises trust to reduce systemic risk, improve decision accuracy, and restore borrower agency. Grounded in empirical evidence, the framework supports practical reforms--integrating contextual data into credit files, rendering lender conduct visible, and establishing multistakeholder oversight of algorithmic systems. Rather than accepting the trajectory of deeper data extraction and one-sided surveillance, the book proposes a reciprocal model of information exchange--one that improves outcomes and embeds mutual accountability. It offers a blueprint for reform that is both conceptually rigorous and institutionally actionable. This is a book for those who design, regulate, and critique credit systems: lenders, credit reference agencies, financial regulators, consumer advocates, and scholars of trust, governance, and institutional design. Drawing on economics, sociology, political science, and organisational studies, it presents a multidisciplinary account of how trust can be rebuilt--within and beyond consumer credit.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Damon Gibbons\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 3032139562\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9783032139566\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Palgrave MacMillan\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 01\/29\/2026\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 175\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Hardcover\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.99lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.21h x 6.14w x 0.50d","brand":"Damon Gibbons","offers":[{"title":"Hardcover","offer_id":48440622448895,"sku":"9783032139566","price":64.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_2631e38e-8df6-43aa-88fd-0280b0ced051.jpg?v=1777183682","url":"https:\/\/www.whiterainbookhouse.com\/products\/trust-and-power-in-consumer-damon-gibbons-9783032139566","provider":"WR Book House","version":"1.0","type":"link"}