Today’s guest is Mark London, Chief Risk Officer for Abound, formerly known as Fintern – a startup specializing in data-driven approaches to small consumer loans. In conversation with Emerj CEO and Head of Research Daniel Faggella, Mark talks about the differences in small and large consumer loans from a data perspective and how lenders can decrease their risk without treating credit scores as the end-all-be-all. And later, they discuss new business opportunities coming from the democratization of data and how long it will take before legacy financial institutions can truly reap the benefits. If you’ve enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show!