Pagaya Technologies Ltd. — Investor Relations & Filings

Pagaya Technologies Ltd. is a financial technology company that operates an artificial intelligence (AI)-powered network for the lending ecosystem. The company's platform utilizes machine learning and extensive datasets to analyze and underwrite consumer credit applications, enabling its partners—including banks, fintechs, and other loan originators—to approve more loans. By connecting these lending partners with institutional investors who fund the credit, Pagaya allows them to expand access to financial products like personal loans, auto loans, and point-of-sale financing for a broader range of customers, often without impacting their own balance sheets. The core of its service is to provide more credit approvals without adding undue risk for its partners.