[Traditional] Credit Bureau Reports are great… but so was the mainframe computer.

Commentary by: John McWilliams

The intersection of FinTech, Alternative Data, Millennials, and Financial Inclusion at the 2017 Lendit Conference in NYC When I first heard it, I thought it would make a great headline. It was recently declared by a panelist during a discussion …

Kinecta Federal Credit Union uses RiskView™ to combat the Credit Scoring Void of Underbanked Americans

Commentary by: Solomon Semere

In a recent case study, Informa incubator Ovum outlined Kinecta Federal Credit Union’s decision to confront the challenge of financial inclusion by offering mainstream credit at more affordable rates to its underbanked customers. Kinecta achieved its goal by partnering with …

How Can the Credit Invisible and Underserved Gain Access to More Affordable Credit?

Commentary by: John McWilliams

This question has been pondered for many years and has been gaining traction over the last decade. An FDIC study in 2011 found there are more than 68 million individuals, representing $1 trillion in income, using financial services products designed …