How AI Could Impact Your Credit Score with Upstart CEO Dave Girouard
Description
In this episode of After Earnings, Ann speaks with Upstart CEO and co-founder Dave Girouard about how the company uses AI to assess creditworthiness. Dave shares insights on the limitations of FICO scores, Upstart’s data points, recent earnings, and growth strategies.
$UPST
00:00 Start
00:25 Limitations of FICO Scores
00:50 New Approaches by Fintech Companies
01:42 Upstart’s Credit Assessment
02:22 AI and Creditworthiness
05:10 Addressing Bias in Credit Access
06:22 Upstart’s Macroeconomic Insights
09:06 Challenges with Buy Now, Pay Later
10:11 Upstart’s Business Model and Partnerships
13:28 Recent Earnings and Market Reactions
25:13 Future Growth and AI in Lending
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