David Johnson
David Johnson is co-founder and CEO of TaleFin, one of Australia's credit reporting bodies and an independent, Australian-owned alternative to the legacy bureaus.
David co-founded TaleFin in 2020 to bring fairer, more complete data to credit decisions, combining open-banking and bank-statement behaviour with the comprehensive credit file, and a combined score, Smart Score Pro™. His focus is a modern, Australian-owned approach to credit reporting: assessing people on their real financial behaviour rather than a thin file or blunt proxies.
He writes and speaks on credit reporting and comprehensive credit reporting, open banking and the Consumer Data Right, fair lending, and competition in Australia's credit-data market, and has made submissions to the ACCC on the future of the credit reporting framework.
Areas of focus
- Comprehensive credit reporting and the role of a credit reporting body in Australia.
- Open banking, the Consumer Data Right, and bank-statement data in lending.
- Fair, transparent credit scoring that avoids blunt proxies.
- Competition and data sovereignty in Australia's credit market.