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To build or not to build? It’s one of the biggest decisions you’ll make. When launching a credit card or lending product, one of the first decisions you face is how to architect your infrastructure. Should you choose a turnkey Banking-as-a-Service (BaaS) platform? Or should you DIY it, stitching together all the vendors yourself? There’s no universally right answer. Both have pros and cons and how you weigh them is unique to your goals. But think carefully: your decision now

Credit Compass is Ensemblex’s fast, focused consulting engagement built for fintech founders, credit leaders, and lending P&L owners. In just 1.5 days onsite, we unpack your entire credit operation—originations to collections—and deliver a clear, customized roadmap for unlocking performance. It’s a high-return, low-lift engagement designed to make an immediate impact. We know your team is busy. Our onsite deep dive covers the full lending cycle, but we keep the process effici

FinRegLab, a nonprofit focused on innovations that advance responsibility and inclusiveness in the financial sector, has released the results of a broad research project entitled Explainability and Fairness in Machine Learning for Credit Underwriting (1). Noteworthy for its range of empirical testing and numerous collaborators, including many leading financial technology companies, the paper is a comprehensive review of the tools available to help lenders responsibly and comp

Make explainability the core of the process, not a feature of the model.

“We raised too much money,” he said. “I thought we could figure out the economics later.”