KEYNOTE: Traditional datasets deployed by banks and lenders in the U.S. have historically reinforced inequality and perpetuated the exclusion of much of the population from the U.S. financial system. But now, datasets that were traditionally considered “alternative” are being used to make decisions on applicants who would have previously been ostracised from the financial system. Learn how banks and lenders are leveraging harmonised data sources from international credit, bank transactions and employment/income verification to break down the barriers of domestic credit data, for a fuller picture of a consumer’s financial health.