The lab

White Papers

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This white paper explores why outdated credit scoring systems no longer reflect financial reality — and what’s at stake if we continue to rely on them.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This white paper explores why outdated credit scoring systems no longer reflect financial reality — and what’s at stake if we continue to rely on them.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.