Why Mainstream Banks Screen Out Low-Income Applicants
Tomás Villanueva-Cruz8 min read
Tomás Villanueva-Cruz
4 entries
The Dollar Cost of Being Unbanked in America
Tomás Villanueva-Cruz7 min read
Fintech Apps That Require Credit Scores and Who They Leave Out
Millions of Americans can't access fintech credit because scoring models can't measure them.
Tomás Villanueva-Cruz9 min read
Wage Theft Among Low-Wage Workers and Its Compounding Effect
Missing wages trigger cascading costs that trap low-wage workers in deepening debt.
Tomás Villanueva-Cruz9 min read