Pagaya Technologies has quietly become a powerhouse in U.S. consumer lending by harnessing AI to give millions of creditworthy Americans a “second chance” at loans rejected by traditional models. Unlike direct lenders, Pagaya operates behind the scenes as a B2B2C platform, plugging into banks’ and fintechs’ systems to underwrite loans using sophisticated machine learning across trillions in credit data. Dive into this compelling journey of innovation, crisis, and comeback that’s reshaping who gets access to credit—and how.
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