More widely, the large number of firms and products in the credit and credit information markets has given rise to concerns about cybersecurity risks and fraud. Although consumers are generally aware of the role their data plays in lending markets, they are reliant on the commercial incentives of both the credit and credit information markets to maintain the security of their information. Given the rapid growth of both markets, it is not clear that data security technology has kept pace with the FinTech expansion, and the reputational risk from data breaches and data misuse is a concern for many firms.