We created ZestCash, which offered installment loans that allowed borrowers to pay down their loans a little at a time. Each payment went toward both principal and interest, so borrowers made progress toward paying off their loan with every payment. And, thanks to our big data underwriting capabilities, we were able to charge about 50% less than a typical payday loan. The loans were designed to help people get out of debt - not further in it. ZestCash helped a lot of people, but we knew we'd need help from other lenders to save the underbanked billions of dollars. Our thinking was that, if lenders ...


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