UPST – Upstart Holdings, Inc.

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Upstart Holdings, Inc. (UPST) is a leading artificial intelligence (AI) lending platform designed to improve access to affordable credit while reducing the risk and costs of lending for its bank partners. Founded in 2012, Upstart leverages machine learning models to assess borrower creditworthiness, considering a wide range of variables beyond the traditional FICO score. This innovative approach allows Upstart to identify and approve more borrowers, including those who may be overlooked by conventional lending criteria. The company primarily partners with banks and credit unions, providing them with a cloud-based platform to originate loans across various categories, such as personal loans, auto loans, and home loans. Upstart’s business model focuses on expanding access to credit and improving the efficiency of the lending process through AI-driven technology, making it a key player in the fintech space. Investors interested in stocks, investment, news on UPST, and analysis of UPST should keep a close watch on market trends and Upstart’s evolving AI technology.