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Back in the early 1990s, while the rest of the credit card industry was still a “one-size-fits-all” industry mostly relying on gut feelings and personal judgment to determine whether or not someone “deserved” credit, I was at Capital One, a company that was betting big on something totally different. Capital One’s founders, Rich Fairbank and Nigel Morris, saw the chaos, the inefficiency, and smelled opportunity. Why? Because credit decisions, a domain traditionally governed by human whims, were ripe for disruption.

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Inflection Points and the Difference Between Reality and Hype

  • 章节

  • 发表日期：

    2025年

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  • Tal Elyashiv

摘要

Back in the early 1990s, while the rest of the credit card industry was still a “one-size-fits-all” industry mostly relying on gut feelings and personal judgment to determine whether or not someone “deserved” credit, I was at Capital One, a company that was betting big on something totally different. Capital One’s founders, Rich Fairbank and Nigel Morris, saw the chaos, the inefficiency, and smelled opportunity. Why? Because credit decisions, a domain traditionally governed by human whims, were ripe for disruption.