Lol, I’m sure we can swap war stories!
But definitely agree with your points especially in respect to regulation and collaboration. Unfortunately Regulation part can be a hopeless minefiled as power/decisions likely resides with people who only have the incumbents interests at heart.
Collaboration is the key. Since of course it’s within our power to do so. We (@xolubi, @Tolu & @akamaozu) spoke about this extensively in Crudcast. Good listen I think.
I’m sure the banks will say they do data & analytics, but of course it means something else to them.
P.S Don’t personally know any the Aella or One credit guys.