Lenders have difficulty performing credit underwriting for small and midsized businesses (SMBs) when considering commercial loans, credit cards and trade finance. Typically, a bank has relevant information in more than one internal system, and they often need to retrieve additional information from multiple third parties that use disparate systems. A further complication involves existing credit risk models. They often generate imprecise credit decisions because of skewed data and biased algorithms that negatively impact low-income and minority groups. It is common for the final decision...