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How Alternative Data Transforms Credit Risk – with John Gordon
Manage episode 477543702 series 2327542
Episode Topic John Gordon, CEO of ValidiFI, joins PayPod to discuss how alternative data is revolutionizing credit risk assessment. Discover how using ACH history, bank account behavior, and fraud signals is giving lenders a clearer, fairer view of consumer creditworthiness in today’s fast-changing financial landscape.
Lessons You’ll Learn Explore why credit scores are no longer enough, and how alternative data fills the gaps. Learn how fraud prevention is evolving, how underserved populations benefit from better data, and why ACH validation is becoming a fintech essential.
About Our Guest John Gordon is the CEO of ValidiFI, a SaaS platform that helps financial institutions assess credit risk and fraud through alternative data. With over a billion consumer inquiries analyzed, ValidiFI helps lenders, processors, and service providers unlock the power of bank behavior, account validation, and predictive analytics to make smarter decisions.
Topics Covered:
Credit scores vs. alternative data
ACH validation and fraud detection
Bank account behavior as a risk indicator
Financial inclusion and non-prime consumers
Buy Now, Pay Later and missing data in bureaus
Emerging trends in data consortiums and fintech regulation
428 episodes
Manage episode 477543702 series 2327542
Episode Topic John Gordon, CEO of ValidiFI, joins PayPod to discuss how alternative data is revolutionizing credit risk assessment. Discover how using ACH history, bank account behavior, and fraud signals is giving lenders a clearer, fairer view of consumer creditworthiness in today’s fast-changing financial landscape.
Lessons You’ll Learn Explore why credit scores are no longer enough, and how alternative data fills the gaps. Learn how fraud prevention is evolving, how underserved populations benefit from better data, and why ACH validation is becoming a fintech essential.
About Our Guest John Gordon is the CEO of ValidiFI, a SaaS platform that helps financial institutions assess credit risk and fraud through alternative data. With over a billion consumer inquiries analyzed, ValidiFI helps lenders, processors, and service providers unlock the power of bank behavior, account validation, and predictive analytics to make smarter decisions.
Topics Covered:
Credit scores vs. alternative data
ACH validation and fraud detection
Bank account behavior as a risk indicator
Financial inclusion and non-prime consumers
Buy Now, Pay Later and missing data in bureaus
Emerging trends in data consortiums and fintech regulation
428 episodes
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