--- title: Accelitas Insights Blog | Steve Krawczyk description: Director of Research and Development, Accelitas --- [![accelitas-circle-logo_bright-green_web](https://knowledge.accelitas.com/hs-fs/hubfs/accelitas-circle-logo_bright-green_web.png?width=1500&height=1501&name=accelitas-circle-logo_bright-green_web.png "accelitas-circle-logo_bright-green_web")](http://www.accelitas.com) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/bank-account-validation) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Use Cases](https://www.accelitas.com/use-cases) - [Industries We Serve](https://www.accelitas.com/use-cases) - [Collections](https://www.accelitas.com/use-cases-collections) - [Billers](https://www.accelitas.com/use-cases-billers) - [Fintechs](https://www.accelitas.com/use-cases-fintechs) - [Storefront Lending](https://www.accelitas.com/use-cases-storefront) - [Payroll Providers](https://www.accelitas.com/use-cases-payroll-providers) - [Payment Processors](https://www.accelitas.com/use-cases-payment-processors) - [Resources](https://www.accelitas.com/resources-overview) - [Resources Overview](https://www.accelitas.com/resources-overview) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/company-and-mission) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [Request a Demo](https://www.accelitas.com/contact-us) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/predict-credit-1) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Resources](https://knowledge.accelitas.com/blog) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies/) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/about/) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [News & Events](https://www.accelitas.com/news-events/) - [News & Events](https://www.accelitas.com/news-events) - [Contact Us](https://www.accelitas.com/contact-us/) # Accelitas Insights ## Steve Krawczyk Director of Research and Development, Accelitas ### Recent Posts [![blog-accelitas-micro-climates](https://knowledge.accelitas.com/hubfs/blog-accelitas-micro-climates.jpg)](https://knowledge.accelitas.com/blog/how-to-weather-the-latest-lending-forecast-0) ## How to weather the latest lending forecast: Let a Microclimate™ credit score guide you. Micro-Climate credit scores are becoming the guiding principle for how to weather and navigate the current lending landscape. With the use of Accelitas's AI Life tool, an AI-powered Credit Risk Web Service, it is changing the way lenders are looking at their current landscape and access new borrowers. BlogPost 11809142687 How to weather the latest lending forecast: Let a Microclimate™ credit score guide you. [Read More](https://knowledge.accelitas.com/blog/how-to-weather-the-latest-lending-forecast-0) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/how-to-weather-the-latest-lending-forecast-0#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [data waterfall](https://knowledge.accelitas.com/blog/topic/data-waterfall), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Credit Scores](https://knowledge.accelitas.com/blog/topic/credit-scores), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [Alternative Lending](https://knowledge.accelitas.com/blog/topic/alternative-lending), [micro-climate score](https://knowledge.accelitas.com/blog/topic/micro-climate-score) [![blog-image-millenials-accelitas](https://knowledge.accelitas.com/hubfs/blog-image-millenials-accelitas.jpg)](https://knowledge.accelitas.com/blog/the-benefits-of-crossing-disciplines-in-artificial-intelligence-0) ## What does traditional credit screening miss? Start with 70 million potential customers. AI includes disciplines such as applied statistics, data mining, pattern recognition, machine learning, deep learning, probabilistic methods, and big data. When applying AI to solve a problem, it is often beneficial to leverage techniques from more than one of these disciplines and sub-disciplines. BlogPost 11806683277 What does traditional credit screening miss? Start with 70 million potential customers. [Read More](https://knowledge.accelitas.com/blog/the-benefits-of-crossing-disciplines-in-artificial-intelligence-0) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/the-benefits-of-crossing-disciplines-in-artificial-intelligence-0#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [Credit Scores](https://knowledge.accelitas.com/blog/topic/credit-scores), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [Millennials](https://knowledge.accelitas.com/blog/topic/millennials), [Gen Z](https://knowledge.accelitas.com/blog/topic/gen-z), [Alternative Lending](https://knowledge.accelitas.com/blog/topic/alternative-lending), [Credit Invisible](https://knowledge.accelitas.com/blog/topic/credit-invisible) [![blog-be-smarter-accelitas](https://knowledge.accelitas.com/hubfs/blog-be-smarter-accelitas.jpg)](https://knowledge.accelitas.com/blog/in-2019-lenders-simply-have-to-be-smarter-0) ## No time to lose. In 2019, lenders simply have to be smarter. In 2019, it is vital lenders use their resources and become smarter. Time is of the essence and businesses are attempting to navigate growth while avoiding risks such as inadequate credit scores, tightening demand and managing changing demographics. BlogPost 11804232100 No time to lose. In 2019, lenders simply have to be smarter. [Read More](https://knowledge.accelitas.com/blog/in-2019-lenders-simply-have-to-be-smarter-0) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/in-2019-lenders-simply-have-to-be-smarter-0#comments-listing) Tags: [lending](https://knowledge.accelitas.com/blog/topic/lending), [Financial Services](https://knowledge.accelitas.com/blog/topic/financial-services), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence) [![bannner_AI_BlogPost_CrossingDisciplines](https://knowledge.accelitas.com/hubfs/bannner_AI_BlogPost_CrossingDisciplines.png)](https://knowledge.accelitas.com/blog/the-benefits-of-crossing-disciplines-in-artificial-intelligence) ## The Benefits of Crossing Disciplines in Artificial Intelligence AI includes disciplines such as applied statistics, data mining, pattern recognition, machine learning, deep learning, probabilistic methods, and big data. When applying AI to solve a problem, it is often beneficial to leverage techniques from more than one of these disciplines and sub-disciplines. BlogPost 5709451706 The Benefits of Crossing Disciplines in Artificial Intelligence [Read More](https://knowledge.accelitas.com/blog/the-benefits-of-crossing-disciplines-in-artificial-intelligence) 0 Comments [Click here to read/write comments](https://knowledge.accelitas.com/blog/the-benefits-of-crossing-disciplines-in-artificial-intelligence#comments-listing) Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [linear model](https://knowledge.accelitas.com/blog/topic/linear-model), [interpretable results](https://knowledge.accelitas.com/blog/topic/interpretable-results) [All posts](https://knowledge.accelitas.com/blog/all) ## **Ready to reimagine financial access?** Call us at +1 [415-842-7700](tel:4158427700) or email [info@accelitas.com](mailto:info@accelitas.com?) 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