By using modern credit technology Digital Lenders are able to go beyond. Additional risk data scooped by way of Open Finance and Artificial Intelligence allow to serve the unserved who might otherwise have been overlooked. Thus, fintechs are able to do their bit for the supply of private credit in Europe. But how deep is it worth to drill into the customers' data? Which role plays transparency and data quality? Which combination of technology and human involvement makes sense to avoid disparities in hybrid models - can a fair line be determined where potential harm outweighs benefits? How exactly does the combination of Open Finance and AI support underwriting models?‌ Speakers: Tamara Kumposcht, Head of Banking @ taktile; Peter Hiekmann, Vice President Sales @ finAPI; Patrick Wolf, Partner @ GvW; Kimmo Rytkönen, founder & CEO @ getincome Host: Constantin Fabricius, Managing Director @ Digital Lending Association Please note: The content of this podcast is expressly not to be considered investment advice, but is intended solely for your information. We do not assume any liability and will not share any profits. Shownote: “Disparities in consumer credit: The role of loan officers in the FinTech era”, Erica Jian/Will Shuo Liu/Yeonjoon Lee, March 15, 2022, on World Bank Blogs: https://blogs.worldbank.org/en/allaboutfinance/disparities-consumer-credit-role-loan-officers-fintech-era