The risk of giving into temptation is as old as humanity, but there are reasons to think

that people today are having to work harder to resist it, particularly when it comes to

consumer behaviour.

Digital technology has made it easier and faster to buy goods and services in an instant,

without the delays of processing that once comprise an emboldt cooling off period.

This might sound like a headline from today's papers, but in fact it was from an article

in the Financial Times published seven years ago, almost to the day.

At a time when Klaner was around, yes, but only just beginning its global expansion, when

a firm was only two years old and after pages to come and sign.

Welcome back to Heart's Lynn Manieta's Strangers, the podcast about consumer lending strategies

across the credit life cycle and around the world.

Today we're back in the Philippines with a different sort of an episode.

This morning I had the pleasure of chairing a panel discussion for TransUnion as part

of their big data summit.

Since the topics that we discussed included by and after and alternative credit scores,

two topics that are already popular on the show, I thought I'd take the opportunity to

record our discussion and turn it into this episode.

I was joined on the panel by Mikaeli Tucci of Credolabs.

Credolabs work with NIOBANGs, Challenger B&PL, any digital vendor really to build alternative

data credit scores to help increase access to credit.

And Mikaeli is their chief product officer.

Mikaeli has held product management, business development and international consulting roles

...