The recent technological advancements have brought much innovation in calculating lending risks. Previously, lenders could derive the information about their potential clients only from the official banking data and credit history. Now, they can utilize multiple user data channels, ranging from digital profile (browser used, type of device, geolocation, VPN use, etc.) to ML scoring. These data sources help create a more detailed borrower profile and calculate risks more precisely, thus giving more people access to the lending market.