Summary:
In this episode of Consumer Credit Matters, William Black sits down with Sid Siddhartha (CEO, Intain) to discuss how AI and blockchain could help prevent issues like the alleged double-pledging at Tricolor Auto. They explore what went wrong, how real-time data could change collateral monitoring, and whether this moment could finally push the securitization industry toward modernization.
Chapters:
Chapters:
Intro
• The Tricolor Shock
• Lagging Data, Late Warnings
• The Double-Pledging Problem
• The Road to Adoption
• Conclusion and Final Thoughts
Takeaways:
The Tricolor bankruptcy reveals major vulnerabilities in consumer credit.
Double-pledging poses serious risk across warehouse and ABS financing.
AI can enable real-time collateral performance monitoring.
Blockchain offers immutable, auditable records to prevent duplication.
Lenders and trustees are beginning to pilot these solutions with FIS.
Regulatory shifts may accelerate technology adoption.
Sound Bites:
“We need early warning signals.”
“Double pledging is a big issue.”
“The technology is here and now.”
About the show:
Consumer Credit Matters is hosted by William Black, a structured-finance analyst and founder of Black Analytics LLC. The podcast features insights and interviews with industry leaders across consumer credit, securitization, and fintech innovation.
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