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Infusing Credit Scores with Smart Science
Infusing Credit Scores with Smart Science

He who moves not forward moves backward ~ Goethe

When arriving at the pearly gates hoping to qualify for a ticket into the promised land, would you rather be evaluated on your past behavior when you were young and reckless or your recent behavior as an adult who is making smarter lifetime decisions? Stay with me, for the big jump…

Divergent Thinking in the Lending Industry
Divergent Thinking in the Lending Industry

Knowledge and human power are synonymous.
~ Francis Bacon

Inspired by an insightful WSJ article about the lending industry, Flying Blind Into a Credit Storm, by AnnaMaria Andriotis, I am reminded how the term business as usual should be shelved for a more appropriate term: business as divergent. Throw away the rule book, ‘cause what worked yesterday in business ain’t gonna work today.

Who IS This Cheeky New Company called RIBBIT?
Who IS This Cheeky New Company called RIBBIT?

To know what is right and not to do it is the worst cowardice.
~ Confucius

In my lifetime, I have been called brash, bold, sassy, and mischievous, so I pay attention when a company, and a new one to boot, jumps out of the starting gate, bragging how they are going to transform the way a consumer’s credit worthiness is measured. Whoa, who does this RIBBIT think they are, challenging a status quo system that has been around since the 1860s when merchants shared lists of villagers who failed to pay their debts?

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