Artem Lalaiants
CEO at RiskSeal, an alternative credit risk platform; experienced in fraud prevention and risk management, focused on delivering real-time digital signals to improve credit scoring and fintech underwriting.
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Feb 23, 2026 • 25min
Why MORE Data Doesn't Mean BETTER Risk Models
Artem Lalaiants, CEO of RiskSeal and expert in fraud prevention and real-time credit signals. He explains why simply adding more data fails to improve models. He highlights orthogonal digital signals like subscription behavior, real-time scoring for instant underwriting, and strategies to score the underbanked across markets. Practical advice on combining bureau and alternative signals for better coverage.
