Pagaya Technologies: The AI-Powered Second Chance in Credit - $PGY

Pagaya Technologies has quietly become a powerhouse in U.S. consumer lending by harnessing AI to give millions of creditworthy Americans a “second chance” at loans rejected by traditional models. Unlike direct lenders, Pagaya operates behind the scenes as a B2B2C platform, plugging into banks’ and fintechs’ systems to underwrite loans using sophisticated machine learning across trillions in credit data. Dive into this compelling journey of innovation, crisis, and comeback that’s reshaping who gets access to credit—and how.Transcript https://empor.top/us/PGYI. Introduction: The Invisible Engine of American LendingII. The Founders & Founding Context (2014–2016): Three Friends on a Road TripIII. Building the Two-Sided Network (2016–2020): The Complex PathIV. The Product: How Pagaya Actually WorksV. The SPAC Era & Going Public (2021–2022): A Bewildering DebutVI. The Crash: From $8.5B to $700M (2022–2023)VII. The Turnaround: Strategic Pivot (2024–2025)VIII. Key Acquisitions & Growth InitiativesIX. Pagaya vs. Upstart: Strategic ComparisonX. Bull Case & Bear Case AnalysisXI. Key Performance Indicators to TrackXII. Risks & Regulatory ConsiderationsXIII. Conclusion: The Invisible Infrastructure Advantage

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