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How Fintech Serves The Invisible Prime Borrower | AutoTraffic
How Fintech Serves the ‘Invisible Prime’ Borrower
For decades, the main recourse for cash-strapped Americans with less-than-stellar credit has been payday loans and their ilk that charge usury-level interest rates, in the triple digits. But a slew of ... read more
How Should We Invest In FinTech?
Online lending, one aspect of FinTech, is the subject of a recent U.S. Treasury ... It sort of critically notes that a large majority of their borrowers are "prime" as defined by credit scores and tha... read more
Uncommon Sense: How Ditching Convention Leads to Better Results
And something is working: We’ve managed to disrupt an industry ripe for innovation, saving consumers $2 billion while becoming the largest, fastest growing fintech ... irresponsible borrowers and deny... read more
Here's how one alt lender is using alternative underwriting data
This story was delivered to BI Intelligence "Fintech Briefing" subscribers ... This restricts the demographic segments they can safely serve, and creates an inconvenient experience for potential borro... read more
Can Fintech Lower Costs for High-risk Borrowers?
Ken Rees is the founder and CEO of online fintech lender Elevate. The company serves credit-challenged borrowers at rates ... on the needs of truly non-prime consumers — people with either ... read more
Will Amazon Offer The Best Digital Checking Account Ever?
Either way, it seems clear that Amazon would like to expand it’s reach beyond retailing, adding value to Prime relationships ... and financial institutions as a commodity. The product serves as a repo... read more
How FinTech creates a FinTax on the working class.
It is the unintended consequence of FinTech ... A Deep subprime borrower for that $16,333 loan would pay $423 per month for 60 months, $25,380 total. A cash buyer would likely get a discount, and pay ... read more
In China, subprime isn't a dirty word
In China, a new generation of subprime lenders is relying heavily on new financial technologies, or fintech, to serve higher-risk borrowers, ensuring that fintech ... fallen behind on their loans, and ... read more
Hard Landing in Fintech Reality
whether all of their borrowers will pay back the funds owed remains an open question. The challenges of these new lenders serve as examples of how the structures of the entire “fintech” industry may b... read more
Should I Refinance My Student Loans?
Refinancing so far has largely been available only for a tiny slice borrowers—those with super-prime credit, lucrative degrees ... such as CitizensBank; younger fintech startups, such as SoFi and Earn... read more
Using Alternative Data Sources to Credit Score Millennials
Despite wanting to work with banks due to brand recognition, Millennials often turn to fintech startups that simplify processes ... much of their activity is largely invisible to credit bureaus. Alter... read more
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Yirendai's (YRD) CEO Yihan Fang on Q3 2017 Results - Earnings Call Transcript
We have focused on product and technology innovations as we see continuous and growing needs from the prime ... borrowers' experience and our industry leadership. We will continue to execute our key s... read more
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