From OCBJ:
RevolutionCredit takes a different tack, in that, besides being a for-profit company, it captures the moment when a risky client wants to engage with a lender, said Bill Maurer, director of the Institute for Money, Technology and Financial Inclusion at the University of California, Irvine. … “The company has data that suggests that completing their educational program actually enhances people’s repayment behavior.”

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