If we look from the social welfare point of view, it is very important whether the citizens are able to properly manage their finances. But on the other hand, the benefits of financial knowledge extend beyond the balance sheets and income at the individual or the household level to the promotion of a stable financial system and efficient resource allocation within the real economy.
In some jurisdictions, the raw data collected by the central PCR is shared with the CBs, which in turn make value addition by pooling data from other sources and come up with further analysis such as credit scores / reports to their clients, typically commercial lenders.