Financial Technology Agencies Should Provide Clarification on Lenders' Use of Alternative Data [Reissued with revisions on Mar. 12, 2019.] GAO-19-111 Published: Dec 19, 2018. Publicly Released: Mar 12, 2019. Financial technology—or "fintech"—can help connect lenders and borrowers online. Some fintech lenders told us that they use alternative data to help determine borrowers' creditworthiness.