'credit-focused' originates from the English word 'credit' and the word 'focus', where 'credit' meant 'trust or belief in the ability to pay' and 'focus' meant 'center of interest or activity'.

'credit' changed from the Latin word 'creditum' and 'focus' from the Latin word 'focus', eventually becoming the modern English words 'credit' and 'focus'.

Initially, 'credit' meant 'trust or belief in the ability to pay', and 'focus' meant 'center of interest or activity'. Over time, 'credit-focused' evolved to mean 'primarily concerned with credit'.