PERC Canada is the new home of the Asia-Pacific Credit Coalition (APCC). The APCC is committed to developing an optimal financial ecosystem among the 21 Asia Pacific Economic Cooperation (APEC) member economies, including Canada. To learn more about the APCC please visit

a few words from our donors & supporters

Our interactions with PERC have been nothing but positive. There is a great balance between the theoretical and practical approaches to the issues of building up a credit registry with the final objective of achieving actual positive results. The presence of PERC in our seven year journey (and still ongoing) has been instrumental in any and all of our successes.

Jaime Garch

Michael, Patrick and their team are a cut above. They are scholars indeed; but more. PERC achieves results because they are a team of smart people who able to relate to real world problems, and more importantly, they are able to translate them into real world solutions based on scientific methods and facts.
In our experience, they approached our research needs thoroughly, analyzed the facts surrounding our problems, and enabled us to achieve our objectives with a solid fact-based assessment of the realities of the world. High quality work is what they produce. As important, they listened to us from the very beginning.

John B

Since 2003, I have interacted with PERC on a number of major public policy issues relating to consumer finance, and have found them to maintain high levels of intellectual honesty and statistical integrity while avoiding ideological bias. They are well regarded by policymakers from both sides of the aisle. In recent years, PERC has doggedly worked to advance the cause of alternative data, building a coalition of NGOs and other organizations including business that among many other benefits. recognize that higher credit scores are a key building block of economic progress.

J Tassey

PERC is the go-to expert on credit and data policies. The staff are responsive, insightful, and trustworthy. As a Capitol Hill staffer, PERC is one of the reliable and insightful policy shops to help us understand what’s happening and what the impacts could be.

C Wayman

In 2009, PERC was identified by Financial Services Deepening Trust Kenya to help formulate a project that would help the Central Bank of Kenya and the credit market in Kenya establish a credit reporting framework. Ultimately, such a framework would assist Kenya’s credit market access reliable credit information and credit scores for effective risk management. PERC’s work in this regard, and follow-up review of the pilot credit information sharing initiative, laid the foundation for establishment and evolution of the project into what is today a separate legal entity (CIS Kenya) that has helped transform the credit reporting space. Today, Kenya is a leader in the region with regard to credit bureau penetration of the adult population, with three private credit bureaus that receive full-file credit data from a wide range of credit providers.

Jared Getenga