AI Credit Models Drive 7M Client Surge at Fintech Banks—But Delinquency Risk Looms
Digital banks using AI underwriting added millions of customers in 2025, with Inter & Co onboarding 7 million new clients and Nu Holdings deploying its nuFormer model across 100+ products. Regulatory shifts in Brazil slowed Nu's portfolio growth from 14% to 10%, while Inter projects private payroll loan delinquency above 10% in 2026, exposing model risk concentrated in algorithm-driven lending.
ViaNews Editorial Team (Finance)•