Devon Shigaki on Reinventing Credit: FreshCredit® and the Future of Financial Identity
1. How has the legacy credit reporting system become more of a barrier than a bridge, especially for individuals with unconventional financial profiles? Traditional credit systems were designed around institutional credit products—loans, credit cards, and mortgages. But today, billions of people participate in the economy through alternative channels: freelance income, mobile payments, crypto, informal commerce,…
