I already have, in the text I posted, but happy to repeat it. The premise is that there is no credit history information. That is not true. A bank surely has credit information of its past borrowers? Start with those. Introduce new procedures, like for instance quick audits of business operations to ascertain the health of the borrowers. Have salaries employees process pay through your accounts..etc etc Yes, it will introduce overheads BUT it is doing something. Banks could share info. Other companies do, for instance telcos have cross billing agreements, network resource sharing agreements, newspapers have printing agreements....it reduces risk for everyone....the rate regime is supposed to spur innovation and cooperation of this nature, if only banks weren't such prima donnas. Govt borrowing is perhaps to blame. What is the opportunity? Capitalizing on the fear of other banks. A sacco I know is buying and consolidating banks loans for it members. That is a positive sign. That is confidence in its members ability to pay. Saccos even loan out money merely on a written guarantee from other members and members issue guarantees many times over their holdings - no security/asset holds - and yet you don't get hissy fits from Saccos. There are no meltdowns in Saccos as a sector.
I hope it sticks, I really do.

Partial reversal of the cap now almost guaranteed with a Uhuru win

This financial rally is on steroids