This chapter focuses on a guest, Kate Howe, who is working to make financial services more accessible to recent immigrants and minority-owned businesses through her company, Happy Mango. They discuss how Happy Mango operates as a B2B to consumer technology platform, providing affordable credit to individuals who struggle to access credit. They also highlight the limitations of using credit scores as the only measure of creditworthiness and the need for alternative methods to assess someone's ability to pay.
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