2021 Tech Trendsetter: Nick Baguley


As vice president of data science for Finicity, a Mastercard company, Nick Baguley supports the mortgage industry through AI and machine learning solutions that have resulted in digital verification of income, employment and assets that are accepted by the GSEs and reduce the mortgage loan process by up to 12 days. In today’s highly competitive lending market, Baguley and his team have improved income identification and categorization to better recognize all income streams. These new streams are key in transforming the digital mortgage experience by helping reduce the complexity of the mortgage process using AI-powered digital verification for income, assets and employment, which enhances the entire lending process, delivers a more streamlined experience for borrowers and reduces risk while increasing ROI for lenders through Finicity Mortgage Verification Services. Baguley has been instrumental in Finicity’s success through its company-wide digital-first strategy and consumer-first experiences that accelerate growth and increase ROI. 


Nick Baguley


VP, Data Science

Company Name:


3d rendering of a row of luxury townhouses along a street

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