Author: Prophecy Market Insights
Prophecy Market Insights
Prophecy Market Insights is a specialized market research, analytics, marketing and business strategy, and solutions company that offer strategic and tactical support to clients for making well-informed business decisions and to identify and achieve high value opportunities in the target business area. Also, we help our client to address business challenges and provide best possible solutions to overcome them and transform their business.
Across the U.S. in 2025, fintechs have radically reshaped how individuals and small businesses access credit. Equipped with AI-driven underwriting, embedded lending, Earned Wage Access (EWA), and alternative data models, these platforms are offering faster, fairer, and more convenient credit products—ushering in Lending 2.0. 1. From Legacy to Lightning: AI-Powered Underwriting Traditional lenders often rely on credit histories and static models. Fintechs, however, are using AI and machine learning to unlock real‑time financing: These advances yield faster approvals, more inclusive access, and improved risk control—cutting underwriting time from days to minutes. 2. Alternative Data & Credit for the Thin-File Crowd Many…
Over the past decade, Environmental, Social, and Governance (ESG) considerations have transformed from peripheral elements into essential pillars of corporate strategy. In the United States, this aggregation marks a new era: one in which firms are redefining their purpose, value proposition, and competitive stance by embedding ESG deep within their DNA—not as an imprint, but as a strategic backbone. In 2025, ESG is no longer just a reporting metric or public relations tool—it’s a decisive factor in resource allocation, investor appeal, regulatory compliance, and long-term resilience. Here’s how the new era of ESG is reshaping American corporate strategy. 1. 🌍…