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by Jessica Donig, Ben Quaye and Myles Jackson

“What Constitutes a Fintech?” — Tony Soprano played by James Gandolfini (RU ’83)

Despite a global pandemic, fintech is in the middle of a renaissance. New fintech products are still launching, “fin-fluencers” are tweeting, Clubhouse rooms are opening up, and our parents are calling to tell us that there’s a new company called “Techfin” to try out (this really happened). The point is, anyone who has a bank account will tell you that fintech is the new big thing. Except, of course, that it’s not new at all.

So why all…


By: Ben Quaye & Myles Jackson

Intro

There’s no escaping the impact of your credit score. Credit data influences the rates you receive from lenders, and whether or not you qualify for a loan, insurance, housing, and more. Despite the fact that credit data points play such a major role in our lives as consumers, many people are “unscorable” by the big three credit bureaus (Experian, TransUnion, and Equifax) because they cannot get access to the mainstream credit products that establish and build their credit history. The numbers are not insignificant: nearly 40 million Americans are “credit invisible” in the…

Clowte

API infrastructure that turns everyday transactions into debt free credit events and allows businesses to impact their customers’ credit history.

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