In 2031, the way we utilize credit scoring could be vastly different than it is today. As Artificial Intelligence and machine learning are adopted across the financial ecosystem, banks and other financial institutions may need to rethink the way they benchmark a person's financial health. Hann Liew, CEO of RinggitPlus, joins us to talk about the decentralization of banking, e-wallets replacing credit cards, and how cryptocurrency could factor into credit scoring within the decade.