Published in Aire Life·PinnedWhat credit providers can learn from the evolution of television.The credit information industry is evolving in ways that evoke the path of broadcast television. Tom Oscherwitz, VP of Operations and Counsel, explores the link. When thinking about the future of credit, one can draw interesting parallels to the American network broadcasting industry of the late 1970s and early 1980s…Credit Score4 min readCredit Score4 min read
Feb 16, 2022Understanding the “I” in Debt-to-IncomeThis is the second of a two-part series by Tom Oscherwitz, VP of Operations and Counsel, looking at evolving lender approaches to understanding personal income. A link to the first part of the series is here. Income is undervalued by lenders. …Fintech3 min readFintech3 min read
Feb 3, 2022Understanding consumer income; It’s all about the jobThis is the first of a two-part series by Tom Oscherwitz, VP of Operations and Counsel, looking at evolving lender approaches to understanding personal income. A link to the second part of the series is here Understanding consumer income is becoming a big business. One leading company, which verifies income…Fintech3 min readFintech3 min read
Published in Aire Life·Oct 15, 2021‘A company that needs to be built’ — our mission at AireThe reason we’re here. From Aire’s earliest days we’ve been intentional about the kind of company we’re building. Back in 2014, I wrote a set of core ideologies for our business and on our seventh birthday, I shared these publicly. Within them I stated: ‘we exist because consumers face a…Mission Statement3 min readMission Statement3 min read
Published in Aire Life·Sep 28, 2021Aire joins Provenir’s Global Data MarketplaceIt’s another exciting week for us all at Aire as we announce our partnership with Provenir. Joining their Data Marketplace Platform from today means that Aire becomes part of a global network of industry-leading data vendors, contributing to the creation of a unique data ecosystem that financial institutions of all…Fintech2 min readFintech2 min read
Published in Aire Life·Sep 27, 2021Panel: real-time income and employment data — from optional to mandatory?Aire joined Argyle, Moves Financial and Prosper to debate the relevance of real-time employment data. Read on to find out how it unfolded. The working lives of US consumers are changing. The traditional methods for lenders to understand them are no longer effective. But when it comes to income assessment…Lendit Fintech5 min readLendit Fintech5 min read
Published in Aire Life·Sep 7, 2021Aire is now part of the DMS TEST/DRIVE® programToday Aire joins TEST/DRIVE — Digital Matrix Systems’ (DMS) data source evaluation program. Designed to streamline the process companies must traditionally take to assess both new-to-market and established data sources, TEST/DRIVE provides a secure, confidential gateway for testing and evaluation. For us at Aire, the benefits of joining TEST/DRIVE are…Fintech2 min readFintech2 min read
Published in Aire Life·Sep 2, 2021Taking a closer look at financial services’ track record of innovationFinancial innovation: what is it and how do we get there? VP Operations, Tom Oscherwitz, begins to unpack the idea ahead of our next panel. How is the financial services industry doing at innovation and must we do better? …Innovation4 min readInnovation4 min read
Published in Aire Life·Aug 16, 2021Q&A with Aire’s Staff Software Engineer — Rob AdamsonRob has been a member of Aire’s Product team since June, 2017. Here’s a snapshot of his work, and life beyond. Coffee count so far today (12.00) ☕️ ☕️ this morning (home ground, freshly brewed, filter coffee). Working from..? 🌍 London, UK. Favourite Aire value 🌲 It has to…Software Engineering8 min readSoftware Engineering8 min read
Published in Aire Life·Jul 7, 2021The last wordAfter 45 minutes of panel debate, we asked one final question of our Aire Talks panelists. Here’s the insight they left us with… At the outset, our panelists joined us to discuss the safe expansion of the credit box. So — to conclude our session — we asked them that…Credit2 min readCredit2 min read
