A descriptive term used in the financial technology sector to denote the use of non-standard data points—such as utility payments, social media activity, or cash flow history—to assess borrower risk. It is not an established standalone corporate entity but rather a methodology employed by various fintech firms.
Brand Authority Index (BAI): 12/100
Archetype: Phantom
Category: Financial Services
https://optimly.ai/brand/alternative-lending-criteria
Last analyzed: April 10, 2026
Founded: N/A
Headquarters: N/A