1. Federal Reserve System: A Forum for Minorities in Banking
Fintech: Achieving Balance between Risk and Partnership

2. Credit

3. Becoming credit visible is often driven by two factors

4. Subprime credit score concentration
Subprime Segment Profile
Segment Profile
All households
Age <35
39%
21%
Female head-of-household
48%
13%
Income <$50k
37%
20%
College degree
15%
32%
Non-Hispanic White
55%
64%
Black
23%
Hispanic
16%
14%
Homeowner
18%
65%

5. FinTech to the Rescue!
FinTech to the Rescue!?

6. Device driven real time communication

7. Behavioral economics future of financial literacy
SMS based A/B tests encouraging customers to make more than one payment per billing cycle led to statistically significant improvement in overall repayment behavior…
…but is it persistent?

8. The risk of credit invisible populations is different
15%

9. Changing Face of Entreprenership Leading Edge Technology
Pieces of the puzzle
Level Playing Field
Regulatory Sandbox
Changing Face of Entreprenership
Leading Edge Technology