Alex Lintner

They would make a decision anyway, wouldn't they?

I told you the story about C. Ramos, who is long gone.

He made decisions.

People will make decisions about you and about whether they lend to you.

the more you have to do that at scale.

In North America, we have 247 million Americans.

If you want the economy to blossom, if you want people to have access to credit, you need a scalable model.

I'm not saying that our system's perfect, but you can draw a worldwide comparison and you still have to say it is the best credit economy in the world.

It really is.

And there's lots of stochastic data around it.

We are part of that connected ecosystem.

We're not all of it.

We are part of that.

And we try to perform our role within that connected ecosystem responsibly and the best we can.

If somebody has an idea on how to make it better, we'll be first in line.

I think enough people do.

Let me maybe answer the question not with one sentence, but be a little more granular.

I could point to data of the consumers who give us their data.

So we have a direct-to-consumer business.

And in the various countries that we are active with our direct-to-consumer business, we have hundreds of millions of consumers who proactively make their data available to us.