The POWER of AI and Credit Decisioning
The POWER of AI and Credit Decisioning

The universe is always sending us gifts, all we have to do is open them. ~ Di Princell

Artificial Intelligence (AI) may well be the supportive superhero for credit decisioning in the current decade: slaying machine-learning systems, disrupting financial services, fighting against biased algorithms, demanding more accurate predictions, and destroying the way credit risk is measured. Combining AI with financial data creates knowledge out of confusion and sees into the future: changing status quo, paving the way for innovation in the financial arena, and tearing down closed doors to credit.

Building Trust in the Financial World
Building Trust in the Financial World

Reach out and touch somebody’s hand, make this world a better place ~ Diana RossAm I old fashioned to think that face-to face meetings with handshakes, eye-to-eye contact, positive body language, shared dinners, friendly cocktails, and warm conversation builds...

Financial Inclusivity – Building for the Future
Financial Inclusivity – Building for the Future

“We’re all part of an interconnected system and once we see that, our responsibility becomes very clear. We have to help those in need today, AND ensure the world emerges a stronger, more resilient place—because doing the right things for society will lead to the right outcomes for business.”
~Ajay Banga Executive Chairman, Mastercard
Relying on money in our pockets to buy food, pay rent, purchase gas, and support daily living would be a dangerous game, but that’s how the unbanked lives. . . . not a good scenario for financial success.

Can I Afford It Index?
Can I Afford It Index?

You can’t always get what you want, But if you try sometimes you just might find, You get what you need ~ Rolling Stones
As a kid, I loved the Magic 8 Ball and believed, if you held it just the right way, it had all the answers. As adults, we have all stewed over a purchase wondering whether we should buy it, can we afford it, and what are the consequences of nonpayment? Often, the wrong answer to these practical questions can put individuals into debt, plummet their credit ratings, and impact all future financial opportunities.

All Aboard the Fast Payments Money Train
All Aboard the Fast Payments Money Train

We cannot become what we need to be by remaining what we are ~ anonymous
The country is not living at warp-speed yet, but today’s need-for-speed influences many of our activities: Internet speed, mobile connectivity, automated payments, buy-now-pay-later, fast foods, instant messaging, zoom meetings, in-home movies, speed dating, 5-minute pizzas, supersonic jets, etc. The Internet has turned us into speed-and-convenience seeking consumers with very little patience, unable to tolerate delays in our digital world, inevitably spilling over into our retail world.

Analyzing Data Helps Consumers Make Smarter Financial Decisions
Analyzing Data Helps Consumers Make Smarter Financial Decisions

When I think back on all the crap I learned in high school, it’s wonder I can think at all ~ Simon & Garfunkel
Even at my wise age, I still feel ill-equipped for all of life’s financial situations, and somewhat resentful that my K-12 primary years didn’t even prepare me to write a check. Today’s teachers are focusing a majority of efforts on prepping students for academic and IQ test-taking, rather than teaching critical life skills especially in financial readiness. According to a 2020 survey by the Council for Economic Education (CEE), “only 6 states require stand-alone personal finance courses in high school.” Financial preparedness in the formative years can be a game changer that may eliminate the lifelong consequences of poor financial decisions.

What is a Cryptocurrency in Laywoman’s Terms?
What is a Cryptocurrency in Laywoman’s Terms?

There are 2 worlds: the world we can measure with line and rule, and the world that we feel with our hearts and imagination ~ Leigh Hunt
Good grief, am I really going to try and explain cryptocurrency when Elon Musk was at a loss on SNL? After researching various descriptions, it’s obvious that we humans are not meant to understand it, rather accept it at face value, and buy into it or not .

RIBBIT.ai Breaks Records at Lendit Fintech USA 2021 Conference
RIBBIT.ai Breaks Records at Lendit Fintech USA 2021 Conference

OXFORD, Ohio – MAY 19, 2021 — RIBBIT.ai attended LendIt Fintech USA 2021 – the USA’s premier event for innovation in Financial Services. The Event’s virtual landscape for networking significantly improved the efficiency of scheduling and completing introductory meetings. Within this reimagined networking experience for the virtual world, Brian Ostrow of RIBBIT.ai took full advantage extending 300 invitations and engaging with more than 130 interested attendees during the Event!

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