{"id":414648,"date":"2021-01-14T06:03:56","date_gmt":"2021-01-14T11:03:56","guid":{"rendered":"http:\/\/www.marketnewsdesk.com\/?p=414648"},"modified":"2021-01-14T06:03:56","modified_gmt":"2021-01-14T11:03:56","slug":"oriental-bank-selects-upstarts-credit-decision-api","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/","title":{"rendered":"Oriental Bank Selects Upstart\u2019s Credit Decision API"},"content":{"rendered":"<p>        <!--.bwalignc { text-align: center; list-style-position: inside }body {font:normal small Arial,Helvetica,sans-serif;color:#000;background-color:#fff;padding:24px;margin:0;} a img {border:0;} h3 {font-size:medium;color:#000;margin:0 0 1em 0; text-align:center;}-->  <\/p>\n<p class=\"bwalignc\"><b>Oriental Bank Selects Upstart\u2019s Credit Decision API<\/b><\/p>\n<p class=\"bwalignc\"><i>Faster, AI-driven Credit Decisions to Improve Auto Lending Experience<\/i><\/p>\n<p>SAN MATEO, Calif.&#8211;(<a href=\"http:\/\/www.businesswire.com\">BUSINESS WIRE<\/a>)&#8211;<a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fwww.upstart.com%2F&amp;esheet=52361722&amp;newsitemid=20210114005318&amp;lan=en-US&amp;anchor=Upstart&amp;index=1&amp;md5=8f3d94c0c6dfa6a4c23f73a16716444c\">Upstart<\/a> (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced that <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Forientalbank.com%2Fen%2F&amp;esheet=52361722&amp;newsitemid=20210114005318&amp;lan=en-US&amp;anchor=Oriental+Bank&amp;index=2&amp;md5=583cec614c7916ced8758b389c9f1022\">Oriental Bank<\/a>, a subsidiary of OFG Bancorp and one of the largest banks in Puerto Rico, has selected Upstart\u2019s Credit Decision API (application programming interface) to deliver faster credit decisions and more accurately price auto loans for applicants on its online banking site.\n<\/p>\n<p id=\"news-body-cta\">This press release features multimedia. View the full release here: <a href=\"https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/<\/a><\/p>\n<div id=\"bwbodyimg\" style=\"width: 480px;float:left;padding-left:0px;padding-right:20px;padding-top:0px;padding-bottom:0px\"><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20210114005318\/en\/852320\/4\/Oriental_bank_Press_release.jpg\" alt=\"(Graphic: Business Wire)\" \/><\/p>\n<p style=\"font-size:85%\">(Graphic: Business Wire)<\/p>\n<\/div>\n<p>\nUpstart&#8217;s Credit Decision API will provide Oriental Bank with complete authority over its auto lending programs with each decision based on the bank partner&#8217;s credit policy, lending terms, and return targets, in addition to the risk modeled for each applicant.\n<\/p>\n<p>\n\u201cOriental\u2019s ability to originate loans depends primarily on the services that it provides to its borrowers, in making prompt credit decisions, and on the rates and fees that it charges,\u201d said Ganesh Kumar, chief operating officer, Oriental Bank. \u201cUpstart\u2019s Credit Decision API will enable us to increase the speed of lending decisions, better price applicants and more accurately assess risk, ultimately to better serve our customers.\u201d\n<\/p>\n<p>\n\u201cWe are excited to welcome Oriental Bank as one of the newest banks in the Upstart family to use artificial intelligence for automated credit decisions,\u201d said Michael Lock, SVP of Banking Partnerships, Upstart. \u201cWe look forward to partnering with Oriental\u2019s team to provide its customers a modern approach to auto lending.\u201d\n<\/p>\n<p>\nIncorporating more than 1,600 variables, Credit Decision API leverages machine learning algorithms trained on more than 620,000 loans and more than 9 million repayment events across Upstart&#8217;s network of bank partners. Compared to traditional bank models, AI-enabled decisioning can provide banks with up to 75% fewer defaults at the same approval rate.*\n<\/p>\n<p>\nFor more information and to request a demo, please visit: <a rel=\"nofollow\" href=\"https:\/\/cts.businesswire.com\/ct\/CT?id=smartlink&amp;url=https%3A%2F%2Fc212.net%2Fc%2Flink%2F%3Ft%3D0%26l%3Den%26o%3D2808892-1%26h%3D2670554559%26u%3Dhttp%253A%252F%252Fwww.upstart.com%252Fpartners%252Fcredit-decision-api%26a%3Dwww.upstart.com%252Fpartners%252Fcredit-decision-api&amp;esheet=52361722&amp;newsitemid=20210114005318&amp;lan=en-US&amp;anchor=www.upstart.com%2Fpartners%2Fcredit-decision-api&amp;index=3&amp;md5=dee78a2690edde9de981ea5500376d00\">www.upstart.com\/partners\/credit-decision-api<\/a><\/p>\n<p><b>About Upstart<\/b><\/p>\n<p>\nUpstart (NASDAQ: UPST) is a leading AI lending platform partnering with banks to expand access to affordable credit. By leveraging Upstart&#8217;s AI platform, Upstart-powered banks can have higher approval rates and lower loss rates, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated. Upstart was founded by ex-Googlers in 2012 and is based in San Mateo, California and Columbus, Ohio.\n<\/p>\n<p>\n*Based on an internal study by Upstart that replicated three bank models using their respective underwriting policies and evaluated their hypothetical loss rates and approval rates using Upstart&#8217;s applicant base in late 2017.\n<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/cts.businesswire.com\/ct\/CT?id=bwnews&amp;sty=20210114005318r1&amp;sid=flmnd&amp;distro=nx&amp;lang=en\" style=\"width:0;height:0\" \/><span class=\"bwct31415\" \/><\/p>\n<p id=\"mmgallerylink\"><span id=\"mmgallerylink-phrase\">View source version on businesswire.com: <\/span><span id=\"mmgallerylink-link\"><a href=\"https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/\" rel=\"nofollow\">https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/<\/a><\/span><\/p>\n<p><b>Press Contact<br \/>\n<\/b><br \/>Diana Adair<br \/>\n<br \/>Head of Communications<br \/>\n<br \/><a rel=\"nofollow\" href=\"mailto:press@upstart.com\">press@upstart.com<\/a><\/p>\n<p><b>KEYWORDS:<\/b> California Caribbean Puerto Rico United States North America<\/p>\n<p><b>INDUSTRY KEYWORDS:<\/b> Professional Services Data Management Technology Finance Software Banking<\/p>\n<p><b>MEDIA:<\/b><\/p>\n<table cellpadding=\"3\" cellspacing=\"3\">\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Logo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20210114005318\/en\/852319\/3\/upstart-logo-blacktext-ef7d760c91874739c5a80cf79fa5b955.jpg\" alt=\"Logo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><\/font><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\"><b>Photo<\/b><\/font><\/td>\n<\/tr>\n<tr>\n<td><img decoding=\"async\" src=\"https:\/\/mms.businesswire.com\/media\/20210114005318\/en\/852320\/3\/Oriental_bank_Press_release.jpg\" alt=\"Photo\" \/><\/td>\n<\/tr>\n<tr>\n<td><font face=\"Arial\" size=\"2\">(Graphic: Business Wire)<\/font><\/td>\n<\/tr>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>Oriental Bank Selects Upstart\u2019s Credit Decision API Faster, AI-driven Credit Decisions to Improve Auto Lending Experience SAN MATEO, Calif.&#8211;(BUSINESS WIRE)&#8211;Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced that Oriental Bank, a subsidiary of OFG Bancorp and one of the largest banks in Puerto Rico, has selected Upstart\u2019s Credit Decision API (application programming interface) to deliver faster credit decisions and more accurately price auto loans for applicants on its online banking site. This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/ (Graphic: Business Wire) Upstart&#8217;s Credit Decision API will provide Oriental Bank with complete authority over its auto lending programs with each decision based on the bank partner&#8217;s credit policy, lending terms, and return targets, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Oriental Bank Selects Upstart\u2019s Credit Decision API&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-414648","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Oriental Bank Selects Upstart\u2019s Credit Decision API - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Oriental Bank Selects Upstart\u2019s Credit Decision API - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Oriental Bank Selects Upstart\u2019s Credit Decision API Faster, AI-driven Credit Decisions to Improve Auto Lending Experience SAN MATEO, Calif.&#8211;(BUSINESS WIRE)&#8211;Upstart (NASDAQ: UPST), a leading artificial intelligence (AI) lending platform, today announced that Oriental Bank, a subsidiary of OFG Bancorp and one of the largest banks in Puerto Rico, has selected Upstart\u2019s Credit Decision API (application programming interface) to deliver faster credit decisions and more accurately price auto loans for applicants on its online banking site. This press release features multimedia. View the full release here: https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/ (Graphic: Business Wire) Upstart&#8217;s Credit Decision API will provide Oriental Bank with complete authority over its auto lending programs with each decision based on the bank partner&#8217;s credit policy, lending terms, and return targets, &hellip; Continue reading &quot;Oriental Bank Selects Upstart\u2019s Credit Decision API&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-14T11:03:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mms.businesswire.com\/media\/20210114005318\/en\/852320\/4\/Oriental_bank_Press_release.jpg\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/oriental-bank-selects-upstarts-credit-decision-api\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/oriental-bank-selects-upstarts-credit-decision-api\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"Oriental Bank Selects Upstart\u2019s Credit Decision API\",\"datePublished\":\"2021-01-14T11:03:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/oriental-bank-selects-upstarts-credit-decision-api\\\/\"},\"wordCount\":487,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/oriental-bank-selects-upstarts-credit-decision-api\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mms.businesswire.com\\\/media\\\/20210114005318\\\/en\\\/852320\\\/4\\\/Oriental_bank_Press_release.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/oriental-bank-selects-upstarts-credit-decision-api\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/oriental-bank-selects-upstarts-credit-decision-api\\\/\",\"name\":\"Oriental Bank Selects Upstart\u2019s Credit Decision API - 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View the full release here: https:\/\/www.businesswire.com\/news\/home\/20210114005318\/en\/ (Graphic: Business Wire) Upstart&#8217;s Credit Decision API will provide Oriental Bank with complete authority over its auto lending programs with each decision based on the bank partner&#8217;s credit policy, lending terms, and return targets, &hellip; Continue reading \"Oriental Bank Selects Upstart\u2019s Credit Decision API\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/","og_site_name":"Market Newsdesk","article_published_time":"2021-01-14T11:03:56+00:00","og_image":[{"url":"https:\/\/mms.businesswire.com\/media\/20210114005318\/en\/852320\/4\/Oriental_bank_Press_release.jpg","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"Oriental Bank Selects Upstart\u2019s Credit Decision API","datePublished":"2021-01-14T11:03:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/"},"wordCount":487,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/#primaryimage"},"thumbnailUrl":"https:\/\/mms.businesswire.com\/media\/20210114005318\/en\/852320\/4\/Oriental_bank_Press_release.jpg","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/oriental-bank-selects-upstarts-credit-decision-api\/","name":"Oriental Bank Selects Upstart\u2019s Credit Decision API - 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