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Financial services have forgotten their most important stakeholder, you. We believe that financial services has become overly complex and opaque to end consumers. First Principles Labs (FPL Technologies) has been founded with the mission of re-imagining credit and payments from first principles. The founders have deep expertise in payments, credit and building and scaling digital businesses. Payments is an interesting engineering challenge in itself with requirements of low latency, transactional guarantees, security and high scalability. When we add credit into the mix, the challenge becomes even more interesting with underwriting algorithms.

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