AI Underwriting: The Quiet Rewrite of Credit Decisioning
Machine learning rewrote credit decisioning, but the binding constraint is not accuracy. It is the compliance machinery needed to deploy a model.
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Machine learning rewrote credit decisioning, but the binding constraint is not accuracy. It is the compliance machinery needed to deploy a model.
Three LLM cache types solve different problems teams routinely conflate. What each saves, the hit rates you should actually expect, and where each one breaks.
Why prompt injection has no parameterized-query fix, how indirect injection turns agents into attack tools, and the patterns that bound the damage.
Owned accelerators beat rented ones above a utilization threshold most teams never compute. The break-even math, and why idle GPUs are the expensive asset.
The four layers behind every fintech card: network, sponsor bank, issuer processor, program manager. Who earns what, and what it takes to launch.
The middleware era of banking as a service is over. What replaces it is fewer, larger, compliance-first programs, and a harder diligence bar for founders.
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