Today's guest is Alex Lintner, Group President of Experian Consumer Information Services, which provides credit reporting services to lenders throughout the world. In our conversation, Alex shares insights on how the world plunged this year to digital, real time commerce, for people of all ages and backgrounds. He explains the trends we're seeing in consumer debt and savings -- some of which are counterintuitive. He talks about the urgent challenges facing borrowers in different circumstances, creating the need for lenders to take a surgical approach to consumer and small business lending amidst the crisis, with accurate data being the key.

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