They’re spending money on avocado toast and lattes. Yet they hate diamonds. But forget the memes. Between the absurd cost of college — and even more ludicrous housing costs in top job markets — the financial challenges young adults face are anything but humorous. That can make the idea of building a strong credit history a grim punchline. This is where Deserve steps in. Rather than using traditional metrics — like FICO scores — that look backward, the Silicon Valley startup uses machine learning to look forward.
