Cyte Insights

Practical thinking for credit risk teams.

Perspectives on credit risk infrastructure, ratings, portfolio management and governance for financial institutions operating in emerging markets.

Latest insights.

Editorial illustration of an analyst looking inside a cutaway borrower building showing financial structure and risk layers

Credit Models 15 July 2026

Why Structural Credit Risk Models Still Matter for African Lenders

Most financial institutions across Africa rely on traditional credit scoring methods to evaluate whether a borrower will repay a loan.

Editorial illustration of an analyst viewing a risk migration map that moves from stable territory toward a default warning zone

Early Warning 15 July 2026

Seeing default coming: what 3,700 corporate failures teach lenders about early warning

Research from the credit analytics team at Cyte and Anchor Point Risk: what 900 recent corporate failures — set against a 45-year, 3,674-defaulter record — tell you about spotting trouble early in a corporate credit book.