B-READY: Financial Services Pillar 2: Accessibility of Information in Credit Infrastructure

B-READY focuses on ten topics that are organized following the life cycle of the firm and its participation in the market while opening, operating (or expanding), and closing (or reorganizing) a business. The Financial Services topic measures four areas—Commercial Lending; Secured Transactions; e-Payments; and Credit Information—across three different dimensions, or pillars. The second pillar measures the accessibility of information in credit infrastructure by evaluating the operation of credit bureaus and registries and the operation of collateral registries. Thus, the second pillar assesses de facto and some de jure aspects of financial services.