Upstart: A Calculated Gamble?

For years, banks have relied on this FICO score thing. It’s like a credit personality test, deciding if you’re worthy of a loan. Very judgmental. Upstart thinks it’s a bit… simplistic. Which is putting it mildly. They’ve built this algorithm, this digital brain, that looks at 2,500 data points. Two. Thousand. Five. Honestly, it sounds exhausting just thinking about it. It’s supposed to be better at figuring out if someone will actually pay you back. Which, let’s face it, is the whole point of lending.








