# Adrian’s Article Featured on FinTech Finance

- November 17, 2017

## Share this

Credit Sesame’s CEO Adrian Nazari’s article, [How Robo-advice for Credit and Debt Will Disrupt the Industry](https://ssl-vpn.creditsesame.com/http/www.fintech.finance/01-news/how-robo-advice-for-credit-and-debt-will-disrupt-the-industry/), was published in FinTech Finance, a trade publication. Nazari explains the challenges and exciting movements he foresees in this next big disruption.

### How Robo-advice for Credit and Debt Will Disrupt the Industry

Expensive asset managers today are struggling to deal with the twin challenges to their traditional business model: low-cost, passively-managed index funds, and the online robo-advisors that help retail investors optimize the allocation of their assets between those funds. The finance industry is still unprepared for the next big disruption — widespread use of robo-advisors for liabilities: online tools that will deliver customized credit solutions to consumers in real time.

#### The established state of the credit and debt industry

Think about the traditional model of access to credit: when you buy a home, you visit one or more banks, provide the same information over and over again, and then pore over the terms trying to identify the best offer. When you buy a new car the dealer is sure to offer you a proprietary financing product, or send you to a “preferred” lender. Even the credit card in your wallet was likely sold to you on a visit to a branch or through a piece of direct mail advertising. In other words, credit today is typically sold on the lender’s terms, not bought on the borrower’s terms.

**See the full article on [FinTech Finance](https://ssl-vpn.creditsesame.com/http/www.fintech.finance/01-news/how-robo-advice-for-credit-and-debt-will-disrupt-the-industry/).**

## Recent press releases

## [How AI Is Powering Innovation and Customer Loyalty in the Credit Industry](https://www.creditsesame.com/press/how-ai-is-powering-innovation-and-customer-loyalty-in-the-credit-industry/)

## [Credit Sesame Wins “Best Personal Finance App” at the 2025 FinTech Breakthrough Awards](https://www.creditsesame.com/press/credit-sesame-wins-best-personal-finance-app-at-the-2025-fintech-breakthrough-awardscredit-sesame-wins-best-personal-finance-app-at-the-2025-fintech-breakthrough-awards/)

## [TransUnion Collaborates with Credit Sesame to Launch New Freemium Direct-to-Consumer Credit Education and Monitoring Offering](https://www.creditsesame.com/press/transunion-collaborates-with-credit-sesame-to-launch-new-freemium-direct-to-consumer-credit-education-and-monitoring-offering/)

[View more](https://www.creditsesame.com/company/press/)