667: In this interview, Dave covers the topic of how Upstart is leveraging artificial intelligence models to increase people’s access to credit. He provides an overview of the company’s business model, how it collects the data it uses across multiple constituents, and the learning process he went through during the development of the company. He then describes the way artificial intelligence fits into the model, why this approach is its differentiator, and what hurdles he faced along the way. Finally, Dave talks about the company’s IPO, why this was the right time to go public, and how his experience building out Google’s cloud business set him up for success with Upstart.