Astropay is fast becoming the most preferred payment option for vast majority of online casino players. Astropay is popularly known for its corporate and consumer payment solutions. Its virtual cards can be used more than once for making secure, fast and completely anonymous online payments. This option is available in almost all currencies in use in different countries. All these advantages makes Astropay one of the most sought after e-wallets in countries round the world including India. Astropay is most popular in the Indian betting markets with casinos like Leo Vegas, Spin, 10Cric and Royal Panda accepting deposits made with Astropay.
Depositing Funds with Astropay at Indian Casinos
Astropay does not require players to reveal their personal details before completing any fund transfer. Any player can create an Astropay account because it is free, making payments and deposits are also fast and secure. If you encounter any problem like deposit errors, registration issues or change of personal details on your account, you can contact Astropay’s customer support system on email and the issue will be resolved in no time. Astropay can be used to fund gambling games like slots, card games and video games.
Online casino players in India can make use of different Astropay cards to process and speed up deposit transactions. There is the Astropay visacard and the Astropay prepaid card which can be used without issues in any local bank supporting the system in India. All that is required of you is to visit the Astropay site, follow all the instructions needed for you to open an account and open a legitimate account. You will be able to select the Astropay card that suits your needs once you are able to login. Your login information will be sent to you via email by Astropay, this will grant you access to start making your deposits and gambling.
Astropay is available in all top-notch Indian online casinos due to the fact that depositing funds with it is as easy, safe and secure as using any other payment option. To deposit funds with Astropay, visit your preferred casino website, go to the deposit section, select the Astropay option, input the amount you wish to deposit, the number of your card, the card’s expiry date and the CVV number at the back of the card.
If you are constantly on the search for the safest online payment option in Indian casinos, search no more, Astropay has got you covered.
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
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