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Is There a Way to Make Better Credit Decisions?
There is a huge shift in consumer expectations and behavior. Part of that has been enabled just because the technology exists from the last decade to make those more easily available. The consumers these days are expecting every time they're considering a purchase, they're thinking about what does that mean as a financial decision. And not only is it easy and fast, as eliz was talking about, we have incredibly transparent financial products. We are not charging any fees to consumers.