Alex Lintner

You need to open your funnel to people with lower credit scores.

And then we allow them to adjust the model so that it behaves the way that they had filed it with the regulator.

So what I'm trying to tell you through that, it's not that we use AI to access all of the personal information of people.

We use AI to look at outcomes, derive the data, and interpret that, and then make it available to humans so that they can use it in the way that it needs to be done in the example, so the human oversight of model performance.

By the way, that happens today, but it happens with slews of people.

Not automated, not real-time, not as accurate as AI can do.

And so we think there's a real improvement of the process there because it makes lending fairer, more accurate.

It allows the lending products to behave the way that the regulator intends them to behave.

And therefore, it's AI for good, just like we try to make data available for good.

And that's important for people to understand.

A data company like ours, like I said, currently I cannot see that we make our data accessible to any public AI provider and therefore let them build their large language model based on our data.

By the way, the large language models are much better at text than they are at math.

No, LLMs.

We've built our own large language model.

We've built SLMs, small language model for smaller tasks.

We have about 200 agents built into our products already now.

So there are different ways in which we use AI, but we built an LLM.

Yeah, it would be a small language model.

Because basically what the model does, it reports out what's happening.

And it's just one number is smaller than the other.