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For example, it uses them to help protect customers from fraudsters, and across various borrowing products and contexts, which are key drivers of lending decisions, from accepting credit applications to setting creditlimits and interest rates.
Build Credit “On-Ramps” One of Nubank’s most impactful initiatives has been its credit “on-ramp” program, which helps customers with little or no credit history build their creditworthiness over time.
This flexibility enables easy scalability of their credit card management system to meet growing customer needs, all while maintaining high performance and robust security. The approach reduces the risk of vendor lock-in and enhances both reliability and disasterrecovery capabilities.
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