Non technical rx question

Has the maturation and democratization of credit data made rx origination harder (ie more competitive) or otherwise changed how rx bankers originate? 

Seems like it used to be a very opaque business, with distress signals largely out of view or picked up from/in clubby professional networks.


But is everyone now looking at the same (probably octus) data and pitching the same thing, at the same time, to the same debtors / creditors?  

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