AI Index / Pagaya Technologies Ltd.
Pagaya Technologies Ltd. (PGY)
Pagaya earns fees by powering consumer credit for partners. - Lending-partner fees in personal loans, auto, POS (decline monetization, underwriting, FastPass, direct marketing, affiliate optimizer) - AI directly drives this. - Funding-side fees from ABS/forward-flow and servicing - AI directly underpins asset creation/quality. - Other income from retained interests/loan investments - AI indirectly supports via performance. With 81% of FRLPC from partner fees and products built on AI models, AI is a primary revenue driver.
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Our unique data advantage and AI underwriting advantage continues to compound and enabling more precise credit decision, fueling model improvements and enhancing outcomes for our lending partners.
- Gal Krubiner
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Quotes from pagaya-technologies Executives About Artificial Intelligence and Generative AI
In closing, we continue to demonstrate that our greatest strengths lies in our ability to combine advanced data, AI capabilities and scaled infrastructure, making us a partner of choice to many leading lenders to drive sustainable, profitable growth.
- Gal Krubiner
Our embeddedness in our partners' technology enables seamless expansion into new product solutions. Pagaya is expanding the way in which it works with its lending partners beyond decline monetization.
- Sanjiv Das