Upstart -- a fintech company that generates revenue from personal loans, auto loans and small-dollar loans -- leverages AI tohroughout its operation, with models that enhance accuracy in credit pricing and fraud detection. The company’s Model 18 incorporates APR as both input and output, allowing for more precise predictions. With high levels of automation (91% of loans processed without manual intervention), Upstart relies on AI to streamline loan approvals and expand its lending operations.