Millennials don’t want their parents’ legacy banking system. Rather, Millennials want a new consumer experience that looks, feels, and acts like they do.   Enter Earnest – a technology-enabled lender with a unique approach to personal lending and credit. The technology behind Earnest’s underwriting process includes one of the most advanced and forward-thinking sets of algorithms to replace old school, backwards-looking FICO scores. Earnest use data to automatically and accurately provide financially responsible people with loans at very low interest rates. This kind of innovation is more about applying technology to help consumers actually enjoy their financial services experience, not hate it. With Earnest, consumers are empowered to take control of their financial well-being and future where, when, and how they want to – all at a lower cost and dramatically improved experience than what they get today. Earnest was acquired by Navient in 2017.