Credit scores

Tala, based in Santa Monica, Calif., makes its loan decisions after analyzing data on the mobile phones of users in Kenya and the Philippines.

First half: Brett King says the OCC fintech charter is overdue. Second half: fintech and refugees.

The Consumer Financial Protection Bureau is seeking feedback on the benefits and risks of using alternative data sources, such as rent or utility payments, that would allow lenders to build a credit history for unbanked consumers.

The credit score has evolved from one number to an array of scores, informed by analytics and increasingly enhanced with artificial intelligence.