$UPST I just went through its loan process to see what the magic is. It asks about my education, employer, job title, income. That's pretty much it. Where do they collect the additional infomation about me for their AI to analyze? I have a 750+ credit score and I am working for a real tech company in the Bay Area with a 6 digits income. Here is what I get from the so called "future of loan origination":