---
title: FinLocker Fintech White Paper
description: Download your free copy of the white paper, Can Technology Solve for Inclusion in the Housing Industry and Affect Equitable Wealth Building?
---

[![Finlocker-logo_lg-2](https://info.finlocker.com/hs-fs/hubfs/Finlocker-logo_lg-2.png?width=4500&height=564&name=Finlocker-logo_lg-2.png "Finlocker-logo_lg-2")](https://finlocker.com/)

# **Can Technology Solve for Inclusion in the Housing Industry and Affect Equitable Wealth Building?**

![landing-page-graphics-2](https://info.finlocker.com/hubfs/landing-page-graphics-2.jpg "landing-page-graphics-2")

Access to credit and housing is increasingly detached from those who need the most assistance. Approximately 63 million adults in the US are unbanked or underbanked with no on-ramps into the financial system.

As a financial technology firm focused on financial fitness, FinLocker sees a myriad of opportunities for technology to help solve for inclusion in the housing industry. While our emphasis has centered on the development of a digital platform and an app to increase the mortgage eligibility of low-to-moderate consumers, we see five areas of opportunity for financial technology to boost financial inclusion, especially in the housing industry:

1. **Affordability,**
2. **Inadequate levels of financial literacy**
3. **Hyper-optimized and transactional nature of housing finance**
4. **Slow adoption curve of alternative data sources and technologies, and**
5. **Consumer control of their data, including portability, privacy, and protection**

When you download our white paper, presented at DC Fintech Week (Oct 2021), you'll learn how the mortgage industry and financial institutions can adopt technology to solve these sub-set areas for inclusion:

- Getting consumers mortgage ready, accelerating ‘approvability,’
- Helping consumers avoid “gotchas” with contextual, contemporary, and timely education and tools, and
- Supporting decline-to-approval by moving our industry from optimizing transactions to serving longer-term relationships.

### Download FinLocker white paper: Can Technology Solve for Inclusion in the Housing Industry and Affect Equitable Wealth Building?

[![Finlocker-logo_lg-full-white](https://info.finlocker.com/hs-fs/hubfs/Finlocker-logo_lg-full-white.png?width=300&height=38&name=Finlocker-logo_lg-full-white.png "Finlocker-logo_lg-full-white")](http://finlocker.com)

[Follow us on Instagram](https://www.facebook.com/FInLocker1) [Follow us on Facebook](https://www.linkedin.com/company/finlocker) [Follow us on Facebook](https://twitter.com/FinLocker) [Follow us on Facebook](https://www.instagram.com/myfinlocker/)

Copyright © FinLocker. 2024. All Rights Reserved. | Privacy Policy