Credit Risk Origination Underserved 
Finextra
JULY 7, 2025
Upstart (2024) AI Application: Loan underwriting and risk assessment Experience Impacted: CX - Banking Customer Experience AI Loan Underwriting Platform: The fintech Upstart has pioneered AI-based lending, and by 2024 its platform was adopted by 500+ banks and credit unions for personal and auto loans.
Finezza
APRIL 23, 2025
In 2022, around 160 million people in India were credit-underserved. One reason for this is the overreliance on traditional scoring models, which typically consider parameters such as payment history, debt-to-income ratio, and length of credit.
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Finezza
APRIL 23, 2025
In 2022, around 160 million people in India were credit-underserved. One reason for this is the overreliance on traditional scoring models, which typically consider parameters such as payment history, debt-to-income ratio, and length of credit.
PYMNTS
JULY 16, 2019
credit history to help them secure financing for auto loans. Last year, Lendbuzz’s loan origination grew 320 percent, and the company increased its dealership network across the United States to include key markets, including California and Florida. “This is a significant step forward for Lendbuzz.
FICO
JANUARY 4, 2018
“By contrast, growth in student loan debts outpaced inflation, being both greater in number as well as balances; this undoubtedly creates a drag on capacity for other forms of consumer credit.”. A New Way to Score Credit Risk – Psychometric Assessments. Using Alternative Data in Credit Risk Modelling.
FICO
JUNE 5, 2023
But as more providers take steps towards extending mobile phone leasing to underserved markets, new demographics and segments with thin credit files, while offering the lasts handsets and access to high-speed services, they face a multitude of challenges.
FICO
MAY 23, 2022
Círculo de Crédito , the fastest-growing credit bureau in Mexico, has used unique credit risk scores from FICO to boost financial inclusion in Mexico and help an additional 20 million citizens access credit.
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