Revising Risk Assessment: How Happy Mango Is Creating More Equitable Access to Financial Services

Banks and credit unions have traditionally relied on credit scores to determine the risk-level of individuals seeking loans and other financial services. But that's prevented banks and credit unions from serving those with little to no credit, such as immigrants, refugees, and others. After the financial crisis in 2008, Kate Hao left her job to change how things have done. Now, thanks to her company, Happy Mango, banks and credit unions can better serve their communities, and individuals are enjoying more equitable access to cashflow services.

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