Nowhere else could be more suitable for Credit loan model than blockchain. Traditional loan model which requires deposit are inefficient and not really risk free. The value evaluation will be a problem as well.
DeCredit has brought this idea to reality. It's really a great innovation, based on people's credit records, the correspondent credit will be authorized. And the fact that it is built on blockchain can make sure the number will not be manipulated or changed.
Already every country has their own credit score analyzing sector which work in their own way because government says that is not under their control and yes they can use blockchain for better transparency and also can avoid the data storing expenses but it is not going to make the loan process easier one who are not eligible won't get any loans in the traditional banking system.