Happy Money provides a connected ecosystem of consumer financial products to help borrowers become savers. It has helped over 110,000 members pay off over $2 billion in credit card debt. Its mission is to create an alternative to conventional, FICO-based lenders. Happy Money is a strategic partner with many credit unions, because its lending model reaches members who are excluded from loans due to their low FICO score. STORY HIGHLIGHTS: Near-zero maintenance With Snowflake, Happy Money, doesn’t have to worry about infrastructure, maintenance, or capacity upgrades. Instead, the team can focus on providing business value. Data Vault Happy Money’s unique and proprietary risk models underpin its mission. Snowflake and the Data Vault architecture enable the data science team to iter

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