Executive Summary The mission at Deserve is to democratize credit and provide fair access to credit to deserving but underserved populations. Over the years, Deserve has created equitable credit products, with the goal of leading young adults to financial independence. These products serve college students and young adults who otherwise would be ineligible to obtain credit under a traditional credit- scoring system. Deserve looks at an applicant’s full financial picture, considering factors like how they manage money, along with records of on-time payments, to predict future credit potential. With H2O Driverless AI, Deserve is able to augment the traditional credit scoring models with additional datasets never considered before, deploy fast accurate scores all while improving t

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