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" ... Borrowers without credit histories (often referred to as “credit invisibles”), until now, had virtually no access to American Express’ network, which offers over a dozen consumer credit cards. The companies are now helping what they call “global citizens” start their new lives with a financial lifeline. ... "
" ... By using alternative data and machine learning innovations, digital banks can extend affordable credit to a much larger population of consumers, including "credit invisibles," former felons and other people stigmatized by damaged credit. ... "