---
title: Consumer Borrowing Report 2024
description: Discover fascinating insights on consumer borrowing in the new report for 2024. Explore borrower openness to AI, the impact of Buy Now Pay Later.
---

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# The Consumer Borrowing Report 2024:

# Borrowers on the Brink

![Report cover -1](https://fintech.lenvi.com/hs-fs/hubfs/Report%20cover%20-1.png?width=250&height=352&name=Report%20cover%20-1.png "Report cover -1")

### Download our exclusive research on UK consumers' attitudes to lending in 2024 

The report explores:

- Attitudes to Open Banking: 65% of people would  
  consider giving a lender temporary access to their transaction history if it could lead to a more personalised rate.
- Vulnerability and BNPL: Over half of individuals with mental health conditions (55%) and cognitive disabilities (52%) are utilizing BNPL
- Reputation Matters: Brand reputation (38%) is now equally important as interest rates (39%) for consumers when selecting a lender, altering the lending landscape.