“the credit building industry”?

UK based LOQBOX, a company that helps individuals “improve their relationship with money” is expanding to The USA. Interesting, about a one minute read.

Comment: “the credit building industry”? Ok, personally I’m all for tools such as this which help improve an individuals monetary literacy. But I can’t help but wonder what barriers to entry — besides first mover advantage — exist? I note my UK bank has started to add money management and forecasting reports to my current account. So what’s a Fintech to do? The “industry” tag might be a little much, in my view.