Introduction

In today's world, financial empowerment is increasingly important, especially in economic and social inequality. One key component of financial empowerment lies in the credit underwriting process, which plays a major role in financial inclusion and access to capital. 

Credit underwriting has the potential to promote financial health, economic growth, and increase prosperity. However, the credit underwriting process can also be exclusive and disadvantageous to those already disadvantaged due to their race, ethnicity, gender, and other demographic factors. To ensure equitable access to capital, it is essential to promote inclusivity in credit underwriting. 

Understanding New to Credit (NTC)