Ascend Consumer Finance CEO, Steve Carlson discusses his company's method for adjusting interest rates based on real-time user data. The company will introduce its vision at the 2015 LendIt Conference in Midtown Manhattan. Led by a team of former Intuit, HSBC, and credit card company executives, Ascend's leadership is harnessing the power of big data for real-time user benefits. Its first product, Rate Rewards, will adjust borrowers' interest rates based on their financial behaviors. Lower credit usage or debt, or increased savings can result in lower interest rates on loans.