Welcome to the Archive

A running collection on modern underwriting — alternative data, AI, credit ops pain points, and better decisioning

What is the Archive

The Archive is where we publish what we're learning. Articles written for lending professionals who want substance over sales pitch.

Filter by topic, browse the full article collection, download our whitepaper for the complete research foundation behind the platform, or check the news section for the latest on PROVIDR.

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

Why the $50K–$1M SME Loan Is the Most Underserved Segment in American Lending — and It's Not Because It's Risky

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

Automating the Wrong Answer: The Most Dangerous Vendor Category in AI Underwriting

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

Workflow Automation Isn't the Same as Credit Intelligence — Conflating Them Is Costing You

Phileas Gerou 3/1/26 Phileas Gerou 3/1/26

The Market Share Community Banks Are Giving Away — And How to Get It Back

Phileas Gerou 2/24/26 Phileas Gerou 2/24/26

What Five Hours of Manual Spreading Actually Costs Your Institution

Phileas Gerou 2/24/26 Phileas Gerou 2/24/26

Why FICO Fails Small Businesses And What Smaller Lenders Are Missing Because of It

Welcome to the Archive

What is the Archive

Why the $50K–$1M SME Loan Is the Most Underserved Segment in American Lending — and It's Not Because It's Risky

Automating the Wrong Answer: The Most Dangerous Vendor Category in AI Underwriting

Workflow Automation Isn't the Same as Credit Intelligence — Conflating Them Is Costing You

The Market Share Community Banks Are Giving Away — And How to Get It Back

What Five Hours of Manual Spreading Actually Costs Your Institution

Why FICO Fails Small Businesses And What Smaller Lenders Are Missing Because of It

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