Kristin Winslow

When I first looked into how people with low credit scores get approved for loans today, I realized something has changed quietly but significantly. Earlier, a bad credit score often meant an automatic rejection. Banks relied heavily on fixed credit scoring models, and there was very little room for flexibility. Now, AI in loan approval … Read more

When I first looked closely at how loans are approved today, I assumed the difference between AI-based systems and traditional banking methods was mainly about speed. AI would approve faster, and traditional systems would take longer. That’s true, but once you go deeper, the difference is not just about time. It’s about how decisions are … Read more