吃瓜不打烊

This achievement is made possible by combining credit file information with banking transaction information. One Touch Lending uses actionable insights into a borrower鈥檚 risk profile that includes both the long term view from the credit file and the short term view from their banking transactions.

鈥淭he ConsumerCapital Canada team is excited to have taken this step in transforming online lending. This partnership opens new opportunities to streamline and improve our credit processes to deliver an industry-leading consumer experience,鈥� said Steve Malone, CEO of CanCap Group Inc. 鈥湷怨喜淮蜢� is an extremely valuable partner and our collaborative efforts on this strategic partnership will deliver breakthrough accuracy and predictiveness thanks to combining banking data and credit file data and our historical loan performance. Our borrowers as well as our lead generation partners will both ultimately benefit from this industry leading, best-in-class experience.鈥�

吃瓜不打烊鈥檚 platform leverages multiple data sources, including traditional credit bureau data and banking data, to instantly deliver highly predictive and proprietary decisions about leads and/or about loan applications.聽 Credit Bureau+鈩� covers a broad range of capabilities, from Lead to Loan鈩�. These capabilities include verification of income, as well as bank account data categorization (eg table of all debts), decision engine capabilities, and its flagship 厂颈虫掳厂肠辞谤别鈩� for risk rank ordering. The legally-compliant implementation of a complete Lead to Loan鈩� solution for ConsumerCapital Canada is bringing unprecedented levels of automation and accuracy to the lead buying and loan underwriting process.

鈥湷怨喜淮蜢� offers so much more than a highly accurate credit score 鈥� our platform applies聽 logic to multiple data sources and data types in a workflow that enables lenders to adjudicate loans with just one touch of the consumer,鈥� said Evan Chrapko, Founder and CEO of 吃瓜不打烊. 鈥淲e are proud to bring this patented, FCRA-compliant service to lenders across the US and Canada so that more deserving people can get the money they deserve.鈥�

For more information regarding this release and 吃瓜不打烊, please visit聽www.TrustScience.com聽or contact聽[email protected].

About ConsumerCapital Canada

ConsumerCapital Canada is a wholly owned subsidiary of CanCap Group Inc. which is a privately-held originator, servicer and acquirer of automotive, consumer and merchant credit portfolios. CanCap鈥檚 businesses include:

1. AutoCapital Canada Inc. an auto financing business of indirect and third-party originations and servicing of automotive loans and 2022 winner of the Canadian Lenders Association Auto Lender of the Year award.
2. ConsumerCapital Canada Inc., an online-based personal loans company
3. MerchantCapital Canada Inc., a merchant lending company for emerging retail and fintech financing companies.
4. End to end Lending as a Service capabilities for Financial Institutions across all retail and small business asset classes

About 吃瓜不打烊. (see global I.P. map聽here)

吃瓜不打烊庐 delivers its Credit Bureau+ SaaS to lenders. This award-winning FinTech uncovers Invisible Prime鈩� and Hidden Prime鈩� borrowers for banks, credit unions and consumer finance companies. Its mission is To Allow Deserving People to Get What They Deserve.

Superior decisions鈥搘hich the F.I. industry calls 鈥渓ift鈥濃�揼o straight to the lender鈥檚 bottom line, delivering risk-adjusted ROIs of up to 201x and material increases to ROA, ROC, ROE (Finance), AUC, KS & Gini (Statistics). In addition to de-risking lenders鈥� ability to give loans to deserving applicants who are wrongly scored by conventional means, 吃瓜不打烊 also brings a risk lens to the Marketing function (sourcing leads, pre-qualifying, pre-screening, and direct mail lists.)

Financial Inclusion and economic mobility is delivered to consumers by accurately assessing systemically excluded, thin file, and so-called 鈥榥o hit鈥� loan applicants. Previously marginalized people now have an onramp into the modern economy, which is a multi-Trillion-dollar global opportunity, if they are approaching a lender that uses Credit Bureau+. Gartner庐 has cited 吃瓜不打烊 contributions re: Explainable AI (鈥渪AI鈥�) research and 吃瓜不打烊 also prioritizes compliance with consumer protection and privacy laws like FCRA, ECOA, PIPEDA & CPRA.

Importantly in these volatile and privacy-challenged times, this platform has productionized Statistical Learning with its scalable MLOps platform, and it also has direct-to-consumer Smart Consent鈩� technology for gathering consented, permissioned data from loan applicants. The technology and methods harnessed to make all of this possible are now protected by 50+ patents (2 of which have been successfully used in an offensive capacity in the U.S.) and trademarks granted across 19 different countries, with more patents still pending around the world.

吃瓜不打烊 was founded and is led by a serial technology commercialization entrepreneur who has delivered over US$1/2 Billion of realized gains to shareholders in his career, and who was added to a list of the Top 50 CEOs in A.I. The company was recently included in the Global Impact 200 alongside 17 other ESG-forward technology companies like Microsoft and Tesla. It was also named to the Top 20 of The Globe and Mail鈥檚 list of Top Growing Companies, out of over 4M active companies. 吃瓜不打烊 is preparing to raise funds at the Series B level into one of the business world鈥檚 most simple cap tables.