In this episode, Hiten Patel and his co-host Cosimo Schiavone are joined by Silvio Tavares, the CEO of VantageScore, a national credit scoring company. Silvio shares his personal journey and the challenges his family faced as immigrants in the United States. He also discusses the role of VantageScore in the credit scoring industry and the importance of financial inclusion. Silvio highlights the need for innovation and the incorporation of alternative data in credit decisions. He also shares his insights on the future of data usage and the importance of creating value for multiple stakeholders.