The lab

White Papers

The challenge of lending: How to rethink credit scoring in the modern era

Traditional credit scores have democratized access to credit but remain overly simplistic, often failing to predict future risk or assess nontraditional borrowers accurately. The paper outlines actionable strategies to modernize credit decisioning and unlock growth opportunities in an evolving financial landscape.

The challenge of lending: How to rethink credit scoring in the modern era

Traditional credit scores have democratized access to credit but remain overly simplistic, often failing to predict future risk or assess nontraditional borrowers accurately. The paper outlines actionable strategies to modernize credit decisioning and unlock growth opportunities in an evolving financial landscape.