Bottom-up Credit Scoring Diversity Technology 
HR Digest
JANUARY 2, 2022
They have been called the most diverse, global, and educated generation to date. Gen Z is the most diverse and global generation to date, which means they are used to working with people from different cultures. They are also the most educated generation, so employers can expect them to be up for any challenge. Bottom Line.
Harvard Business Review
AUGUST 11, 2014
Small businesses are also instrumental to our innovation economy; small firms produce 13 times more patents per employee than larger firms and employ more than 40% of high technology workers in America. The majority of small businesses rely on such loans, and in the fall of 2013 alone, 37% of small businesses applied for credit.
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