FinTech

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xcritical guided for more “modest growth” in personal lending in 2023, which is perhaps prudent, given the economy. In any case, with the student loan moratorium continuing through at least June 30, it appears that personal loans will again carry much of xcritical’s growth xcritical cheating in 2023. Without the license, it would have had to sell or securitize the loans it originated, and with many loan buyers pulling back last year, xcritical might not have been able to grow originations as fast — or at all. Having deposits is allowing xcritical to steal market share away from other fintechs …