Using Data and Consent Architecture to Address Emerging Borrower Segments | HackerNoon

Fintech is entering a new era of lending, driven by borrowers who no longer fit traditional underwriting models. As work patterns shift and payments become increasingly digital, rich data streams can help lenders reassess risk, build consent-based access frameworks, and design innovative loan products—from real-time offers to hybrid secured credit—tailored to small businesses, aging workers, and early-stage founders.