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If the changes help banks make even bigger profits, that money must come from somewhere and must surely be at the expense of everybody else. To get a better feel for the economics I set up a scenario to compare what would happen under the old rules and under the new rules and created a Virtual Lending Calculator to crunch the numbers. Most reporting follows the logic: The changes, which require individuals to reveal more about themselves, are being pushed by the financial sector. Therefore it must be of benefit to the banks in the form of higher profits. There are no crystal balls but lenders do use predictive systems to give the best possible predictions of which applications will lead to bad debts based on the information in credit files and any other information they can legally get their hands on.