Welcome to the Archive

Welcome to the Archive

A running collection on modern underwriting — alternative data, AI, credit ops pain points, and better decisioning

What’s the Archive

The Archive is where we publish what we're learning. Articles written for lending professionals who want substance over sales pitch.

Browse the full article collection or download our whitepaper overview for the complete research foundation behind PROVIDR.

What “AI in Lending” Actually Means, And What It Doesn't

Phileas Gerou 4/3/26 Phileas Gerou 4/3/26

What “AI in Lending” Actually Means, And What It Doesn't

Why the $50K–$1M SME Loan Is the Most Underserved Segment in American Lending (And It's Not Because It's Risky)

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

Why the $50K–$1M SME Loan Is the Most Underserved Segment in American Lending (And It's Not Because It's Risky)

Automating the Wrong Answer: The Most Dangerous Vendor Category in AI Underwriting

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

Automating the Wrong Answer: The Most Dangerous Vendor Category in AI Underwriting

Workflow Automation Isn't the Same as Credit Intelligence, And Conflating Them Is Costing You

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

Workflow Automation Isn't the Same as Credit Intelligence, And Conflating Them Is Costing You

The Market Share Community Banks Are Giving Away, And How to Get It Back

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

The Market Share Community Banks Are Giving Away, And How to Get It Back

What Five Hours of Manual Spreading Actually Costs Your Institution

Phileas Gerou 2/24/26 Phileas Gerou 2/24/26

What Five Hours of Manual Spreading Actually Costs Your Institution

Why FICO Fails Small Businesses And What Smaller Lenders Are Missing Because of It

Phileas Gerou 2/24/26 Phileas Gerou 2/24/26

Why FICO Fails Small Businesses And What Smaller Lenders Are Missing Because of It