One theme that may come as a surprise is the close connection between financial inclusion and credit assessment. DeFi offers an unprecedented opportunity to further expand access and accessibility to credit by developing risk assessment infrastructure.

Written in collaboration with Raymond Anderson [https://books.google.com/books/about/The_Credit_Scoring_Toolkit.html?id=7LlGfPvOJLoC] Before 2010, credit risk assessment methodologies had been relatively stable for many years. Of late, however, gains in computing and data storage and processing efficiencies have accelerated and changed the landscape