Embedded AI Underwriting Is Eating the Consumer Lending Stack
A new class of fintechs is shipping credit decisions in under 400ms — and pricing them better than the banks.
A new class of fintechs is shipping credit decisions in under 400ms — and pricing them better than the banks.

Illustration by IMF Alpha editorial · Reviewed by Sofia Marin
The next leg of the fintech cycle is being built behind an API. A new class of underwriting infrastructure companies is now shipping credit decisions in under 400 milliseconds at default rates that, on early cohorts, materially outperform incumbent FICO-driven models.

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