According to a 2024 survey, 64 percent of individuals from Switzerland assessed their healthcare quality received as very good or good, while only 12 percent of Hungarian respondents rated the healthcare quality they have access to as good or very good.

Access Europe Literature Review Software Industry Overview which includes Europe country analysis of (United Kingdom, France, Germany, Italy, Russia, Spain, Sweden, Denmark, Switzerland, Luxembourg, Rest of Europe), market split by Type, Application

In 2023, Norway ranked first with a health index score of 83, followed by Iceland and Sweden. The health index score is calculated by evaluating various indicators that assess the health of the population, and access to the services required to sustain good health, including health outcomes, health systems, sickness and risk factors, and mortality rates. The statistic shows the health and health systems ranking of European countries in 2023, by their health index score.

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Credit Risk Rating Software Market Outlook

The global credit risk rating software market size was valued at approximately USD 1.5 billion in 2023, and it is projected to reach USD 3.8 billion by 2032, growing at a compound annual growth rate (CAGR) of about 10.8% during the forecast period. The increasing demand for advanced risk management solutions, driven by regulatory requirements and the need for accurate financial assessments, acts as a pivotal growth factor for the market. The proliferation of financial activities, coupled with heightened complexity in financial operations, further necessitates the adoption of sophisticated credit risk rating software.

One of the principal growth factors for the credit risk rating software market is the evolving financial landscape, which demands more precise and real-time credit assessments. The persistent volatility in global financial markets has intensified the need for robust systems that can evaluate and predict credit risk with high precision. Financial institutions are increasingly relying on technology to automate and refine their credit risk management processes, thereby reducing the margin of error and enhancing decision-making capabilities. Furthermore, as businesses continue to expand globally, the requirement for software solutions that can efficiently manage cross-border credit risk is becoming increasingly pressing, thereby boosting market growth.

Another significant driver propelling the market is the stringent regulatory environment governing financial institutions. Compliance with regulations such as Basel III and the European Banking Authority's guidelines necessitates the adoption of comprehensive risk rating tools. These regulations stipulate detailed requirements for risk assessment and management, which can be efficiently met through advanced software solutions. Financial institutions are compelled to upgrade their existing systems with state-of-the-art credit risk software to ensure adherence to these regulatory mandates. This regulatory push is expected to sustain the market's growth trajectory over the forecast period.

The surge in adoption of digital solutions across various sectors also contributes significantly to the market's growth. The integration of technologies such as artificial intelligence and machine learning in credit risk analytics has revolutionized the way credit assessments are conducted. These technologies enable more accurate risk predictions and offer enhanced data analysis capabilities, which are invaluable for financial institutions aiming to gain a competitive edge. The increased focus on leveraging big data analytics to gain insights into customer behavior and creditworthiness further stimulates demand for credit risk rating software.

Regionally, North America is expected to hold a significant share of the market, attributed to the presence of major financial institutions and advanced technological infrastructure. The region's focus on innovative financial solutions and compliance with stringent regulatory standards supports its dominance in the market. Meanwhile, the Asia Pacific region is anticipated to witness substantial growth, driven by rapid economic development and the increasing digitalization of financial services. The burgeoning middle class in countries like China and India also contributes to rising financial activities, thereby escalating the demand for credit risk management solutions in the region.

Component Analysis

The credit risk rating software market can be segmented by component into software and services. The software segment is anticipated to account for a larger share of the market, as it provides the core functionalities necessary for credit risk assessment and management. These software solutions are designed to automate and streamline the entire process of credit evaluation, from data gathering to analysis and reporting. With continuous advancements in technology, credit risk software is becoming more sophisticated, incorporating features like real-time analytics, predictive modeling, and automated reporting, which are crucial for modern financial institutions.

Within the software component, there is a growing trend towards customizable and scalable solutions. Financial institutions, ranging from large banks to small credit unions, require software that can be tailored to meet their specific needs. This customization ensures that the software can handle the unique risk profiles and regulatory requirements of different organizations. Consequently, vendors are focusing on developing modular software solutions that allow users to

In Italy, video games for children represent a significant part of the market. Data from 2021 reported that video games suitable for players aged 3 and older represented 42.5 percent of the market. In contrast, games suitable for persons above 18 years held 24.5 percent of the market. Similarly, the mentioned games categories held 38 and 28 percent of sales volume, respectively. Games are classified according to the Pan European Game Information rating system.

The global Life Insurance Rating Systems market is experiencing robust growth, driven by increasing demand for efficient and accurate risk assessment in the life insurance sector. The market, valued at approximately $2.5 billion in 2025, is projected to exhibit a Compound Annual Growth Rate (CAGR) of 12% from 2025 to 2033, reaching an estimated $7.2 billion by 2033. This growth is fueled by several key factors, including the rising adoption of cloud-based solutions, which offer enhanced scalability, accessibility, and cost-effectiveness compared to on-premise systems. Furthermore, the increasing need for regulatory compliance and the growing complexity of insurance products are pushing insurers to adopt advanced rating systems for better risk management and improved underwriting processes. The segment encompassing cloud-based solutions is anticipated to dominate the market, outpacing the on-premise segment due to its inherent advantages. Geographically, North America currently holds a significant market share, driven by the presence of established players and a mature insurance sector. However, other regions, particularly Asia Pacific, are expected to witness significant growth in the coming years, driven by increasing insurance penetration and technological advancements. The competitive landscape is characterized by a mix of established vendors and emerging players. Vertafore, Applied Systems, and EZLynx are among the major players, offering a range of solutions catering to diverse insurer needs. These companies are continuously investing in research and development to enhance their product offerings and expand their market reach. The market is also witnessing the emergence of several innovative startups that are challenging the established players with disruptive technologies and agile business models. The continued evolution of technologies such as Artificial Intelligence (AI) and Machine Learning (ML) is anticipated to further transform the Life Insurance Rating Systems market, enabling insurers to make faster and more accurate risk assessments, leading to improved efficiency and profitability. However, challenges such as high initial investment costs associated with implementing new systems and the need for skilled personnel to operate and maintain these systems could potentially impede market growth.

In 2022, video games with a PEGI 3 rating recorded the highest share of sales volume in Italy. Specifically, video games ranked PEGI 3 − namely unsuitable for players aged under three − accounted for approximately 29 percent of all video games sold in Italy in the selected year. The PEGI (Pan European Game Information) is a European video game content rating system helping consumers in Europe make decisions on buying computer games.

European Union citizens' perceptions of the independence of courts and the judiciary in their home country are clearly divided between older and wealthier member states mostly in the north and west of the EU, and the newer member states in the south and east of the union, with a few notable exceptions. The countries with the highest level of trust in the judicial system are Finland, Denmark, and Austria. This is perhaps unsurprising, as these countries often lead rankings and indexes for their high quality of governance and the rule of law.

On the other hand, Croatia, Poland, and Slovakia come at the other end, with between 65-75 percent of their citizens having a negative view of the courts and judiciaries. These post-communist countries are still struggling with the legacy of tight political control of the judicial system under communism, and in cases such as Poland have seen a renewed attempt by right-wing governments to curb judicial independence and oversight.

The post-communist country with the greatest trust in the justice system, Estonia, has recorded almost 60 percent of its citizens with positive impressions, a notable success for a country which was a part of the Soviet Union until 1990. Spain and Italy rank as the lowest member states which had joined the EU before 2004, highlighting these countries' ongoing struggles with corruption.

This statistic shows the share of online influencers' daily active use of social media platforms in the Netherlands in 2016, by social media platform. During the surveyed period in 2016, roughly 35 percent of the online influencers indicated they are daily active users of Pinterest.

The highest estimated value of total assets held in various pension schemes (both governmental and private) in selected European countries in 2023 was in the United Kingdom. As the leading market in terms of pension assets, the United Kingdom had over 3.2 trillion U.S. dollars in assets estimated in 2023. The second European market in the ranking, in terms of total assets value of the pension system, was the Netherlands, with assets amounting to approximately 1.7 trillion U.S. dollars in 2023.

In 2021, an index grading the access of dementia sufferers to medical care in ten European countries, ranked Sweden the highest with 73 points. Finland and Germany were regarded to have relatively good access with index scores of 66 and 63 respectively. On the hand, France had the lowest ranking in terms of access to dementia care.

In 2023, London boasted the most extensive metro network in Europe of over 470 kilometers in length. By comparison, the second largest metro network, in the Spanish capital of Madrid, was around 291 kilometers long – just over half the size of London’s metro system.

The Tube The London Underground, also sometimes referred to as the Tube, makes up the majority of London’s metro network. It was the world’s first underground train line, opening in 1863 on what is today known as the Metropolitan Line. Today, the London Underground carries nearly 1.1 billion passengers per year, about a third of all passengers traveling on Transport for London’s public transport services.

Worldwide largest metro networks in China The longest metro network in the world can be found in China. Shanghai’s metro network extends to a length of 694 kilometers and is closely followed by Beijing, which has a metro network measuring 653 kilometers. London’s metro network only comes fourth in the global ranking, following Seoul in third place.

The Pan-European Game Information (PEGI) is a content rating system for video games divided into five age categories based on suitability for a certain age range. During the second quarter of 2024, PEGI 18, which refers to games that are only suitable for adults due to gross violence and other similar indicators, was the most watched age rating category of video games on Twitch. PEGI 18, which includes games such as GTA V and Call of Duty, generated over one billion hours watched during the recorded period.

Estonia was the European country which had the highest combined score in the 2022 PISA survey, which indicates that the small north-eastern European country achieves the best outcomes from its education system, when compared with other European countries. While Estonia performed best in mathematics and science, Ireland performed the best in 2022 in reading. Romania was the European country which performed most poorly across all three indicators.