In 2023, 9 million people were declined for credit and a further 5 million were too worried to apply. Drawing on insights from £1.5bn in annual lending decisions across 50+ credit unions, NestEgg’s new white paper sets out a practical roadmap to scale sector lending to £4bn by 2030, while staying true to the co-operative mission of building financial resilience. Why Scotland matters Despite most applications coming from more deprived neighbourhoods, Scottish credit unions achieve higher average credit scores and lower bad debt than the UK average, a “credit union difference” that points to significant growth potential. What you’ll hear - Key findings from the white paper and implications for growth - Why Scottish credit unions outperform on credit quality and arrears - Practical steps to scale ethical lending while managing risk - Partnership and policy levers on the path to 2030 Who should attend - Credit union leaders, lending and risk teams - Community finance partners and fintech collaborators - Policymakers, regulators and sector bodies