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Cohen, Lauren H.;Zhang, Xiaoyan;Hagist, Spencer C. N.
Bairong CEO Felix Zhang, in launching his credit scoring start-up that incorporates 74,000 variables per individual, found strong initial success. However, the shifting regulatory environment, growing breadth of competitors, difficulties in retaining top talent, and uncertainty around the accumulation and protection of data that fuels the company all threaten the company''s stability during its IPO. Defining exactly how his firm will make its mark, and remain indispensable amongst a massive and ever sharpening FinTech landscape, will test Zhang''s abilities at the helm and make or break his corner of the industry.
Business ethics;Credit and loans;Data management;Fintech;Government policy and regulation;Personal data protection;Predictive analytics;AI and machine learning;Big data;Start-ups