Our recent guest, Alpa Lally, discusses a common, yet staggering, credit statistic: 100 million people are said to be excluded from the credit ecosystem because they lack a traditional credit history or experience with traditional credit products. Alpa emphasizes that Experian’s team is continuously searching for novel ways to use data. In the future, she is excited for more opportunities to provide lenders with the data they need to fully evaluate a consumer’s position and involved risk.