LARRY CHIANG

CEO Duck9

The EconomistConference on

“Human Potential”

What a Super ModelCan Teach a

Harvard MBAAbout CREDIT

Photo Credit:Kris Krug/Getty

If this presentation was one slide,

this would be it

I documented over a dozen cases in Chapter 11 of my

book. It’s all about “Falling Forward”

Plot spoiler: all 3 models

are still in the business &

thriving after their falls

MoreThings

ASuper ModelCan

Teach

Can be prepared

for

All 672sare treatedthe same

pulls intoa monopoly(Fair Isaac’s

FICO)

An oliopoly

Bound in a 1970’s set of tech

Fails to account for email, web, fax, even phone

Consumer’s only protection via written snail mail

Card Act: meant to protect young adults but 111th Congress has only

1.4 pages addressing this

Can usedebit dataas a basisfor credit

system

See Larry Chiang’s testimony before the

World Bank

In case you were wondering if my title slide was incongruent

with my title, “What a Super Model Can Teach a

Harvard MBA About CREDIT”

Take a bow vs. re-experiencing agony

OwnYour

Experiences

Stay pleasant during strenuous situations & make everything look easy

I yield the balance ofmy time to questions