#06 / The changing faces of Risk Assessment

HSBC is truly committed to embrace innovation and open a world of opportunities. For that reason, today in our episode, we are bringing an external guest to share different experiences in the world of data to expand our horizons and contribute to our understanding of how technology is shaping and improving lives. Risks are an inevitable part of the banking system, but that doesn't mean they can't be mitigated. Or reshaped for inclusion. Today, Saul Fine, from Innovative Assessments, joins us to discuss how the current credit models works and why we should also look at "unexpected" data in order to decide to approve a loan for those that doesn't have a long credit history. We discussed how innovative lender assessments can indicate future behaviours that would altogether redefine the characteristics of a good borrower and how can we look to data in different contexts to evaluate loans for people.