With ‘credit invisibility’ preventing millions of Americans from borrowing money, fintech firms are using data to cut out institutional bias, basing decisions on ‘true risk’ instead. Among them is Upstart, which is harnessing AI to humanize and modernize the personal loans landscape.

Up to 45 million Americans can’t access credit because they do not have scorable records, potentially leaving them unable to obtain a home, car, healthcare, or even a job. How is Petal making it easier and more affordable for young people and marginalized groups to gain access to a credit card?

Whether it’s splitting the bill after dining with friends, figuring out who owes what when paying rent in a shared home, or chipping in for a colleague’s leaving gift, dividing costs within a group can be tricky. How does mobile app Splitwise simplify these situations for a tech-savvy generation?

The Money Diaries column on Refinery29 has drawn a cult-like following, putting young women’s finances under the microscope, letting readers peer beyond the constructed personas often presented online. What does the series reveal about Americans’ attitudes toward money and spending?