A Systems View Across Time and Space
 | Large enterprises | Small and medium enterprises | ||||||
---|---|---|---|---|---|---|---|---|
 | Median relevance (large banks) | Median relevance (small banks) | Mann–Whitney U test | Significance | Median relevance (large banks) | Median relevance (small banks) | Mann–Whitney U test | Significance |
Balance sheets | 4 | 4 | 159.5 | 0.316 | 3 | 3 | 172 | 0.420 |
Territorial data | 4 | 3 | 157.5 | 0.302 | 3 | 3 | 143 | 0.120 |
Central credit register | 4 | 3 | 65 | 0.0 | 3 | 3 | 171 | 0.449 |
Credit relationship | 4 | 4 | 169.5 | 0.503 | 3 | 4 | 97.5 | 0.003 |
Guarantees | 3 | 4 | 78 | 0.01 | 4 | 4 | 111.5 | 0.018 |