Credit & Decision Making Software "UBS Credit Landscape Symposium Takeaw..."

Research evidence excerpt

Credit & Decision Making Software "UBS Credit Landscape Symposium Takeaw..."

Global Research

9 June 2026ab

Credit & Decision Making Software Equities

AmericasUBS Credit Landscape Symposium Takeaways

from Credit Sesame Software

Kevin McVeigh

Analyst

kevin.mcveigh@ubs.com

Presenter: +1-212-882 0081

Adrian Nazari, Chief Executive Officer at Credit Sesame Bruna Werneck

Associate Analyst

Takeaways: bruna.werneck@ubs.com

B2B pivot—initially empowering clients in direct to consumer businesses, Credit +1-212-882 5955

Sesame is shifting to a business to business platform—Sesame Platform— Olivia Bradlee

positioning itself as an infrastructure layer that enables other companies to offer Associate Analyst

credit intelligence services. olivia.bradlee@ubs.com

+1-212-713 1227

Sesame Platform—clients build higher retention and revenue, Sesame supports

embedding offerings, enabling financial and non financial institutions such as

retailers and fintechs to integrate credit offerings—securing essential needs such

as compliance and security.

Proprietary data—differentiation lies in combining a proprietary dataset of 7t

data files. Combining with analytics and AI, this allows Credit Sesame to deliver

highly personalized credit insights.

LLM models—can aggregate data effectively, but lack access to regulated

consumer information needed to provide personalized financial

recommendations.

Monetization—enterprise monetization has 3 revenue streams—a charge for

implementation process for enterprises, a platform fee providing enterprise access

to real time data, and a transaction and/or revenue share fee.

US market opportunity—Credit Sesame sees +260m active credit adults, 40m

being reachable via enterprise clients. Of these, Credit Sesame believes more than

100m are underserved.