FinovateSpring 2019 / Trust Science

Presenter Profile:

How they describe themselves: We power lenders’ decisions in the un-/under-banked sector = 64 million people in the U.S. alone. Old credit bureaus can’t score these consumers because the likes of Experian & TransUnion can only gather data on people who already have a **conventional financial** life. Our data-gathering and scoring AI/ML assesses people who are deserving-but-invisible to the current system. We gather un-structured data and “consumer consented” data in the real (messy!) world…globally. Note that many, many countries do not even have any “current system” for credit scoring! Analogy: Trust Science is leapfrogging the multi-billion dollar “old system” by being natively mobile, pure SaaS, and AI-powered…vs. rigidly hardwired to a single class of data source.

How they describe their product/innovation: AI-powered data gathering a) in the wild and b) via a mobile phone app offered to end-to-end user borrowers by our lender customers (i.e. permission’ed, volunteer data acquisition.) Then we unleash AI-based scoring/analytics on all the gathered data in a legally-compliant way (Explainable, FCRA and ECOA-Compliant, with Adverse Action and Reason Codes, etc.) Our lender customers ingest our calculated scores and/or recommended loan amounts and/or loan terms either via API into their own decision support systems, or they can receive it via a stand alone human read’able portal. Hosted in a hybrid of both AWS and Azure.

Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), through other fintech companies and platforms, licensed


Bus. Dev.: Evan Chrapko, CEO,, 403-585-3826
Bryan Katis, CPO,, 678-468-7391
Press: Zac Holt, Dir. of Marketing,, 587-785-4658

More Videos: FinovateSpring 2019