Deserve, that company that focuses on increasing credit access for students and young adults, has collaborated with H2O.ai to streamline operations.

The collaboration will see Deserve leveraging H2O.ai’s automatic machine learning platform H2O Driverless AI.

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The new technology will help the company to determine the creditworthiness of the customers faster.

Deserve CEO and founder Kalpesh Kapadia said: “Most students don’t have a credit history, so Deserve measures their credit potential, not just the associated risk.

“By using H2O Driverless AI for automatic machine learning, we are able to more quickly deploy our proprietary algorithms that allow us to provide credit to students and the underserved.

“H2O.ai helps us to save considerable time and scale quickly even with a smaller data science team.”

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Deserve has created equitable credit products designed to offer the students and underserved population fair access to credit.

The company assesses the applicant’s several attributes to determine their credit potentiality. It includes their money management skills and record of their payments.

With the new approach, Deserve aims to serve around 20 million college students in the US.

H2O.ai CEO and founder Sri Ambati said: “Deserve is helping the next generation of credit owners gain financial independence with H2O Machine Learning and AI.

“We are excited that with H2O Driverless AI, Deserve is not only using more factors and deploying fast accurate scores but also relying on explainable machine learning they can trust.”