{
  "id": 16169287,
  "title": "AI Shifts Underwriting From the Person to the Purchase",
  "url": "https://urgent.news/2026/10/23/ai-shifts-underwriting-from-the-person-to-the-purchase",
  "topic": "ai",
  "section": "AI",
  "published": "2026-10-23T08:00:02.000Z",
  "source": {
    "name": "PYMNTS",
    "slug": "pymnts",
    "url": "https://www.pymnts.com/loans/2026/ai-shifts-underwriting-from-the-person-to-the-purchase/"
  },
  "original_language": "en",
  "account": null,
  "summary": "The credit score has a strange blind spot. It knows a lot about the borrower and almost nothing about what the borrower is about to buy. And as latest installment of “The Future of AI Credit” playbook, a PYMNTS Intelligence collaboration with Thredd, shows, creditworthiness is not necessarily constant. A borrower can be attractive for one transaction […] The post AI Shifts Underwriting From the…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}