{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"How Alternative Data Transforms Credit Risk \u2013 with John Gordon","description":"&amp;nbsp;Episode Topic John Gordon, CEO of ValidiFI, joins PayPod to discuss how alternative data is revolutionizing credit risk assessment. Discover how using ACH history, bank account behavior, and fraud signals is giving lenders a clearer, fairer view of consumer creditworthiness in today\u2019s fast-changing financial landscape. &amp;nbsp;Lessons You\u2019ll Learn Explore why credit scores are no longer enough, and how alternative data fills the gaps. Learn how fraud prevention is evolving, how underserved populations benefit from better data, and why ACH validation is becoming a fintech essential. &amp;nbsp;About Our Guest John Gordon is the CEO of ValidiFI, a SaaS platform that helps financial institutions assess credit risk and fraud through alternative data. With over a billion consumer inquiries analyzed, ValidiFI helps lenders, processors, and service providers unlock the power of bank behavior, account validation, and predictive analytics to make smarter decisions. &amp;nbsp;Topics Covered:   Credit scores vs. alternative data    ACH validation and fraud detection    Bank account behavior as a risk indicator    Financial inclusion and non-prime consumers    Buy Now, Pay Later and missing data in bureaus    Emerging trends in data consortiums and fintech regulation    &amp;nbsp; ","author_name":"PayPod: The Payments and Fintech Podcast","author_url":"http:\/\/www.soarpay.com\/podcast\/","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/36204560\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/36204560"}