In Episode 4, Jimmy sits down with Joanne Edwards - Chief Risk and Data Officer at Wisr. They discuss everything to do with the future of credit scoring in the wake of both Open Banking and the proliferation of 'alternative credit' products, some of which are not visible by bureaus. How do you calculate risk amidst an ocean 'traditional' credit products and BNPL, for example? Joanne draws on her experience at Wisr to answer a range of questions about the future of credit scoring: 

• Open Banking's role in credit scoring and credit risk decisioning
• Ethics in measuring credit risk with a wide range of data sources to draw upon
• How Open Banking can support responsible lending w/ transaction data analysis
• Financial wellness and the stress of money
• Fintech Wheel of Fortune lands on 'Lending in COVID' & the impact of JobKeeper, early super drawn down in credit risk

Favourite takeaway: There is a dating app in the US that lets you use your FICO score as an identifier.

Check out Basiq's Insights series for more information: Why should Gen Z care about a credit score? 

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