The lab

White Papers

Driving Lending Performance with Product-Led Credit Risk

Lenders are unlocking stronger performance by rethinking credit risk management. This white paper shows how embedding credit into agile product teams accelerates decision-making, improves alignment, and drives growth. Learn how a product-led approach can boost approvals, protect margins, and turn credit risk into a strategic advantage.

Driving Lending Performance with Product-Led Credit Risk

Lenders are unlocking stronger performance by rethinking credit risk management. This white paper shows how embedding credit into agile product teams accelerates decision-making, improves alignment, and drives growth. Learn how a product-led approach can boost approvals, protect margins, and turn credit risk into a strategic advantage.

The Modern Credit Risk Management Playbook

Credit risk management doesn’t have to slow you down. This white paper reveals how leading lenders are increasing approvals and margins by embedding credit risk into agile product teams. Learn how a product-led approach to credit risk management can better align teams, accelerate testing, and unlock smarter, faster lending decisions—without compromising on risk or compliance.

The Modern Credit Risk Management Playbook

Credit risk management doesn’t have to slow you down. This white paper reveals how leading lenders are increasing approvals and margins by embedding credit risk into agile product teams. Learn how a product-led approach to credit risk management can better align teams, accelerate testing, and unlock smarter, faster lending decisions—without compromising on risk or compliance.

How Open Banking Can Reshape Lending Markets

This white paper explores how open banking is transforming the lending landscape by enabling broader data access, improving credit assessment, and enhancing competition. It outlines how richer transaction data allows lenders to make fairer, more inclusive credit decisions and how financial institutions can adapt.

How Open Banking Can Reshape Lending Markets

This white paper explores how open banking is transforming the lending landscape by enabling broader data access, improving credit assessment, and enhancing competition. It outlines how richer transaction data allows lenders to make fairer, more inclusive credit decisions and how financial institutions can adapt.

Rethinking Credit to Protect Lenders and Consumers

This white paper explores why outdated credit scoring systems no longer reflect financial reality — and what’s at stake if we continue to rely on them. We look at how a shift to capacity-based lending can unlock more accurate, fair, and sustainable credit decisions, and reveal the path forward for lenders to be ready for the next era of financial services.

Rethinking Credit to Protect Lenders and Consumers

This white paper explores why outdated credit scoring systems no longer reflect financial reality — and what’s at stake if we continue to rely on them. We look at how a shift to capacity-based lending can unlock more accurate, fair, and sustainable credit decisions, and reveal the path forward for lenders to be ready for the next era of financial services.

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. This white 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. This white paper outlines actionable strategies to modernize credit decisioning and unlock growth opportunities in an evolving financial landscape.