Dave Girouard, Founder and Chief Executive Officer of Upstart, covers the topic of how Upstart is leveraging artificial intelligence models to increase people’s access to credit. He provides an overview of the company’s business model, how it collects the data it uses across multiple constituents, and the learning process he went through during the development of the company. He then describes the way artificial intelligence fits into the model, why this approach is its differentiator, and what hurdles he faced along the way. Finally, Dave talks about the company’s IPO, why this was the right time to go public, and how his experience building out Google's cloud business set him up for success with Upstart.

0:00:00 Introduction
0:00:38 Overview of Upstart's Business
0:01:20 How Upstart Collects Data and Manages It Across Multiple Constituents
0:02:45 What Drew Dave to the FinTech Sector
0:04:43 Learning Process for Dave as the Opportunity for Upstart Unfolded
0:06:36 How Artificial Intelligence Fits Into Upstart's Business Model
0:11:02 Hurdles to Adoption That Upstart Has Encountered
0:14:34 Difference-Making Categories of Data That Upstart Collects
0:17:02 Growth of B2B and B2C Models at Upstart
0:19:47 Why Going Public Was The Right Move for Upstart and How Things Have Changed
0:23:05 Dave's Experience Building Google's Cloud Business and Lessons Learned
0:25:45 Keys to Dave's Career Success

An audio-only version of this interview is available as episode #667 of Metis Strategy’s podcast, Technovation with Peter High. Learn more at http://bit.ly/Technovation-667.

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