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How Alternative Data Transforms Credit Risk – with John Gordon

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Manage episode 477543702 series 2327542
Content provided by Soar Payments and Soar Payments LLC. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Soar Payments and Soar Payments LLC or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

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

  continue reading

428 episodes

Artwork
iconShare
 
Manage episode 477543702 series 2327542
Content provided by Soar Payments and Soar Payments LLC. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Soar Payments and Soar Payments LLC or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

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

  continue reading

428 episodes

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