I am seeking introductions to commercial bankers, credit union executives, lending leaders, credit risk professionals, underwriters, and CRA officers who would be willing to participate in a brief industry feedback discussion. I am currently leading a stealth-stage FinTech initiative focused on exploring whether verified employment history and workforce behavior can serve as a meaningful supplemental input in credit decisioning for consumers with limited traditional credit histories. As part of our market discovery process, we are speaking with banking and lending professionals to better understand: • Challenges associated with underwriting thin-file and no-file consumers • The role employment and workforce data may play in lending decisions • Risk, compliance, and regulatory considerations • Potential adoption barriers and implementation requirements • Areas where alternative data could enhance existing underwriting frameworks These conversations are strictly informational and intended to gather industry perspectives. We are not selling a product, raising capital, or seeking business commitments at this stage. If you know banking, lending, underwriting, or credit professionals who may be open to a 20–30 minute conversation, I would greatly appreciate an introduction. Please reach out to me at redacted Thank you in advance for your support and insights.