PLAID：2023年开放金融开启新时代报告（英文版）

Chakravorti says traditional credit bureau data is not the only way to find out whether a consumer is a good financial risk. Alternate data—such as investments, loans, utility payments, and subscription payments—can show a person’s financial behavior and also indicate financial health, he says. How a consumer manages personal finances, like paying bills on time and consistently, can show how likely they are to meet financial responsibilities, he says. Trust and transparency From wealth