Upstart Holdings ( NASDAQ:UPST ) has caught Wall Street's attention in a big way. The stock price has skyrocketed over 940% since the company went public in December 2020. And the driving force behind those gains is Upstart's prospects for future growth. In this Backstage Pass video, which aired Sept. 27, 2021, Motley Fool contributor John Bromels discusses how this fintech company brings artificial intelligence to the consumer credit industry and how disruptive its approach could be to traditional lending solutions. John Bromels: Co-Founder and CEO, Dave Girouard is the former President of Enterprise Google and Co-Founder and a Councilman, the former Manager of Global Enterprise Customer Programs and Consumer Operations at Google. Why is that important? What does Upstart do? Upstart is an AI-driven lending platform. It uses artificial intelligence, big data, and predictive modeling to create an alternative to the FICO score to determine a person's creditworthiness.