In this week’s PeerIQ Industry Update they cover the mixed economic news at the end of 2019 into early 2020; speciality stores are starting to gain more on traditional department stores; in an op-ed in American Banker Gilles Gade, CEO of Cross River Bank argues that online lenders like Upstart are seeing big success by using alternative data to underwrite borrowers; FICO has made changes to their scoring model which will hurt borrowers more who miss credit card and loan payments; Ocrolus could be the next Plaid with their network and data footprint across dozens of consumers, small businesses, and mortgage lenders. PeerIQ