Alex Johnson on Credit Scoring: Past, Present, and Hypothetical Future(s)

We bring back a fan-favorite of the show: Alex Johnson. But this time we don’t chat over Zoom, we had to do this Podcast face-to-face. Because I needed Alex to deep-dive into how the credit world works…

Enjoy!

Links:

Fintech Takes

Alex on X

Sponsor:

Skipify

Topics:

(00:00:00) - Intro

(00:03:40) - Alex’s career in the credit world

(00:16:38) - The year banking changed forever

(00:19:31) -  Federally chartered banks

(00:23:58) - How has credit scoring kept up with innovation?

(00:39:34) - Credit building theory & Buy Now Pay Later

(00:44:30) - Do we need another credit bureau? 

(00:467:11) - Where would you build within the credit scoring industry if you were a founder?