1. Larry Chiang

2. Bad News The Supermodel is male and his name is . . .

3. Larry Chiang

4. B I O

5. Thin File Analysis Open-sourced decision-making model developed by the Supermodel,Larry Chiang IT’S FREE

7. The “f” function has credit applicant informationF (α, β, ⱱ) Є (d, z, 0)

8. Define Risk By adjusting the slope “P”, you define your risk appetite ƒ Slope P When p=0 Є not a factor When p is , Є is ONLY factor Є

9. Case Study to Determine Risk By adjusting the slope “P”, you define your risk appetite ƒ Less risk (higher up “ƒ” axis) More risk Є

10. Case Study – Which to WeighMore-- ƒ? Or “epsilon”? ƒ Focus mainly on “ƒ” Focus is on “Є” Є not a factor – simple old system Pure Є function (3) (2) (1) Є (4)

11. Once Risk Is Selected Multiple Scorecard Scenario SingleScorecard Scenario ƒ ƒ A B B C Є Є

12. Scorecard Matrix/Credit Line Matrix Establish multiple points forwide range of credit lines Add another dimension!3-D ScorecardMatrix ƒ ƒ ƒll Є ƒllbreaks out scorecard factors from ƒ Є

13. Risk Selection Goes from a simple slope to an entire plane Select points within plane! ƒ Risk Plane ƒll Є

14. China Debit Reporting Analysis Debit Decision-Making Model developed by the Supermodel,Larry Chiang

15. Supply Vs. Demand I argue that supply is related to demand Oren Michels, CEO Mashery Larry Chiang, CEO Duck9 Pete Cashmore, Founder Mashable

16. Rates The higher the supply of banks in competition for consumers, the more competitive the interest rate, junk fees, etc.

17. Larry ChiangElectronic Credit Score Protection Bill/Act Credit disputes via email, web & fax should have the same weight as a letter mailed via the Post Office.