People have racked up significant credit card balances, and falling interest rates could be a massive tailwind for this personal lender. Upstart (UPST -1.10%) leverages artificial intelligence (AI) to evaluate 1,600 variables over 58 million repayment events, making lending accessible to more borrowers and (ideally) achieving lower default rates. The exciting fintech got off to a blistering red-hot start following its December 2020 IPO, but it remains a young, up-and-coming company. Its lending model has mu ...