Summary
While none of us would think of carrying rotary phones in our pockets or trying to stream videos via box cameras, we still use the generations-old FICO score as the main way to evaluate credit worthiness. That leads to mistakes, oversights and the exclusion of otherwise deserving consumers. Pankaj Kulshreshtha, the Founder & CEO of Scienaptic AI, explains how “augmented intelligence” can close the gaps of an obsolete credit measure and give financial institutions peace of mind—and a piece of the action—as they think far, far outside the credit score box.