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  "documentTitle": "Check out the 11-slide pitch deck Fintern;; a startup aiming to make loans more affordable with open-banking data;; used to raise $11 million",
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  "authorName": "Fintern",
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  "nextPage": 5,
  "slideType": "market_sizing",
  "function": "size_opportunity",
  "density": "overcrowded",
  "nDataPoints": 6,
  "notes": "The chart uses a frequency distribution curve populated with icons to represent population segments.",
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      "kind": "callout",
      "text": "Fintern defines near-prime as customers with default rates of 5 – 19% based on bureau credit scores. We serve these customers with a 4 - 5% annualized default rate and a 3 - 4% annualized loss rate",
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      "kind": "callout",
      "text": "Traditional behavioral credit scoring is good at separating Prime from Sub-Prime customers, but discriminates poorly in the middle of the population",
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      "kind": "chart",
      "text": "Distribution curve of UK consumers by credit score",
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      "kind": "list",
      "text": "Sub-prime (10%), Near-prime (30%), Prime (60%)",
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      "text": "near-prime segment: 30%",
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      "kind": "title",
      "text": "We're starting by serving near-prime customers using Open Banking data to understand their risk profile and expand access to affordable credit",
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      "text": "UK Consumer Traditional Credit Score Distribution",
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      "name": "Cost Of Inaction",
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      "matchId": "5b2695a6-65ed-4e20-ac7e-e7ec9cc7bf7b",
      "evidence": "The problem and solution slides imply the consequences of not using open-banking data",
      "position": 0,
      "objective": "What are the consequences of not using open-banking data?",
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      "evidence": "The market sizing slide implies the needs of near-prime customers",
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