December 04, 2025

The case for a unified, real-time credit data network

December 04, 2025/ The Financial Revolutionist

Tomás Campos of Spinwheel argues that growing debt and lagging credit data require a real-time, unified way to assess consumer risk.

The Financial Revolutionist

The Financial Revolutionist is weekly newsletter and blog focused on the torrid pace of financial innovation. Today, thanks to the exponential rate of technological change, explosion in global trade and new regulations ushered in by the Great Financial Crisis, a new financial revolution is under way. In this battle, virtually every aspect of the greater financial services sector is subject to rigorous challenge. With the Financial Revolutionist, we are aspiring to create a boots-on-the-ground and highly opinionated assessment of important financial innovation developments in the past week.

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The case for a unified, real-time credit data network

The Financial Revolutionist