New consumer habits in the USA with Jeff Keltner

In this episode, Jeff Keltner, Senior Vice President of Business Development at Upstart, discusses the many changes in the mindset of U.S. consumers, from choosing debit over credit to borrowing through innovative installment-based plans. Our guest also highlights the importance of taking into account the "effort-sensitive" factor when adopting digitization and even reveals why good borrowers are more effort-sensitive than fraudsters.