DCA Commerce Code

Author: Digital Commerce Alliance

Stay connected and get the latest insights, analysis and news from the leading fin-tech companies, merchants and payments including Microsoft, Mastercard, Samsung, LVMH, Hilton and more. The podcast features insights and interviews from Digital Commerce Alliance (formerly CardLinx) members around the world. Stay connected and subscribe to DCA's Commerce Code Podcast
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Episode 190: Orchestrating the Future of Credit: How Alternative Data Pipelines are Changing the Lending Landscape
Episode 190
Wednesday, 25 March, 2026

This week on Commerce Code, we speak with Rikard Bandebo from VantageScore and Arvind Ronta from Pentadata. A little about the companies - VantageScore is a leading credit scoring company whose model is especially predictive because it uses new data sources that make it possible to provide credit scores to people even if they have limited credit history.Pentadata is a big reason VantageScore is able to do this. Pentadata is a financial data orchestration platform – which means its customers can access many different kinds of financial data through a single point of contact, or, in software terms, a single API.Rikard and Arvind have joined us to talk about:What’s making credit scores more accurate - things like rent and utility payments that are big predictors of consumer payment behavior, but which have been omitted from credit scoring until recently.What it takes to get new kinds of data like that into the credit scoring system - it’s not as easy as it looks!And what all of this means for the marketplace, from consumers to businesses.