Ribbit is a financial data and technology company that provides lenders with advanced intelligence derived from consumer banking data. By leveraging AI and machine learning, Ribbit's platform analyzes applicants' banking behavior to generate a comprehensive assessment of their financial health and credit risk. This allows lenders to move beyond traditional credit scores, approve more creditworthy applicants, reduce defaults, and promote greater financial inclusion. The company's core mission is to enable smarter and fairer lending decisions through actionable data insights.