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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

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

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

progressa and Alpine Credits Announce Canadian Partnership

"This new partnership continues a recent trend in Canada that has seen traditional financial institutions teaming up with FinTech startups ... on helping non-prime and near-prime Canadians seeking to ... read more

Sales Jobs; Cap Mkts; Bank Competitive Pressures; Good Flood Insurance News?

Save borrowers time and money ... In politics, British Prime Minister Theresa May reportedly told lawmakers that she does not want to rule out a no-deal Brexit, because the possibility serves as a bar... 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 far lower than ... focused exclusively on the needs of truly non-prime consume... read more

Quasi-unicorn IceKredit aims to leverage AI in becoming China’s FICO

That was a time when the “credit invisible”—some 46 million Americans, according to—were largely unable to obtain loans, online or offline. It made sense for ZestFinance to focus on bringing credit to ... read more

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

Alternative lending has officially become mainstream and that’s good news for underserved markets

Fintech and technology companies have moved in to disrupt ... Online Lenders: The first segment are those online mortgage lenders that serve the prime conforming market and compete with banks. Quicken ... read more